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Home and contents insurance comparison

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Last updated: 17 May 2024


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Compare more than 50 home insurance policies from across the market to help you find the right cover for your building and contents. Our comparison includes policies offered by NRMA, GIO, QBE, Budget Direct, Youi and more.

Unlike other insurance comparison websites, we're completely independent and don't get paid by any of the insurers we're comparing.

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With many Australians already affected by floods and others still at risk, we've put together some simple steps to help people prepare for insurance claims.

Not sure where to begin? Read our guide to finding the right home and contents insurance.

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List of brands we tested in this review.

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    Member only

    This test score is for members only. Join now to unlock our expert results.

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    Price rating available

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    Prices aren't available for all policies. Use this filter to only select policies with price ratings.

      Features score

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      The score is made up of property valuation (15%), insured event cover (25%), legal liability cover (5%), claiming (10%), portable contents cover (10%) and additional features (35%).

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      Price score

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      The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot, depending on where you live. Check the $ sign price rating for your region or state to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

      enter value/s in increments of i between 23 and 86

      Satisfaction score

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      We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. N/A means there was no result for that insurer. This score does not contribute to the CHOICE Expert Rating.

      enter value/s in increments of i between 72 and 87

      Pay-by-the-month charge

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      Does this insurer impose an extra administration fee for paying monthly? This is sometimes described as a discount for paying annually, but it amounts to the same thing.

        Underinsurance protection

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        An underinsurance safety net means your insurer will cover you for more than your sum insured, if you have a total loss and the cost of rebuilding is more than your sum insured. Total building replacement cover means you don't set a sum insured, and the insurer commits to rebuilding no matter the cost. Note that safety nets may be an optional extra.

          Included in this review

          Members-only access
          • CHOICE Expert Rating
          • Price score
          • Features score
          • Recommended
          • Satisfaction score
          • Building cover
          • Contents cover
          • Legal liability cover
          • Pay-by-the-month charge
          • How to claim
          • Settling your claim
          • Cash settlements for building claims
          • Cash settlements for contents claims
          • New for old replacement
          • Cover for accidental damage
          • Cover for fire
          • Cover for explosion
          • Cover for theft
          • Cover for accidental breakage of glass
          • Cover for sudden escape of liquid
          • Cover for impact
          • Cover for vandalism
          • Cover for flood
          • Cover for storm and cyclone
          • Cover for storm surge
          • Cover for action of the sea
          • Cover for earthquake
          • Cover for tsunami
          • Cover for animal damage
          • Cover for motor burnout
          • Key/lock replacement after theft
          • Gardens and landscaping
          • Costs to comply with building regulations
          • Professional fees
          • Mortgage discharge fees
          • Debris removal and demolition
          • Temporary accomodation
          • Cover for unspecified portable contents
          • Optional cover for individual portable valuables
          • Contents in the open air
          • Jewellery
          • Artworks
          • Collections (e.g. stamps, coins)
          • Digital media
          • Spoiled food
          • Visitors' contents
          • Pet cover
          • Overlapping cover at a new house
          • Cover for contents while moving house
          • filter for available price rating
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          • NSW price comparison
          • NT price comparison
          • North Queensland price comparison
          • South Queensland price comparison
          • SA price comparison
          • Tasmania price comparison
          • Victoria price comparison
          • WA price comparison


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