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Shonky Awards 2015

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Home and contents insurance reviews

We compare 51 insurance policies from 25 brands including AAMI, Allianz, Suncorp and more.

Last updated: 1st May 2015

It's important to protect your most valuable assets, but the type of home and contents insurance you need depends on your unique situation. We get quotes and policy details from 25 insurers based on four scenarios, which take into consideration the home owners' ages, family size, house types and sum insured.

Important: Before you start comparing insurers, choose the 'price rating' option for your state from the criteria (below). This lets you rank policies by state.

Our comprehensive review and comparison will help you decide which policy is right for your home and budget. Among other things, we score policies based on:

  • under-insurance protection for home insurance
  • limits for various items under contents insurance
  • cover for flood, fire, storm surge and tsunami.

We're not like other comparison sites - we don't get paid by the insurers we compare, so you can be sure our picks are free from bias.

Not sure if you need home or just contents, standard or top cover? Start with our new home insurance buying guide and other inside information.

Insurers in our report

  • AAMI Home Building
  • Allianz SureCover Gold Home Insurance
  • Allianz SureCover Home Insurance
  • Allianz SureCover Plus Home Insurance
  • ANZ Home and Contents
  • Apia Home and Contents Extra
  • Bank of Melbourne Essential Care
  • Bank of Melbourne Premier Care
  • Bank of Melbourne Quality Care
  • Bank SA Essential Care
  • Bank SA Premier Care
  • Bank SA Quality Care
  • Budget Direct Smart Home and Contents Insurance
  • CGU Accidental Damage
  • CGU Fundamentals
  • CGU Listed Events
  • Citibank Classic Home
  • Citibank Prestige Home
  • Citibank Vital Home
  • Coles Insurance Building and Contents
  • GIO Classic
  • GIO Classic Extras
  • GIO Platinum
  • NRMA Home Insurance Buildings and Contents
  • NRMA Home Plus Insurance Buildings and Contents
  • NRMA QLD Home Insurance Buildings and Contents
  • NRMA QLD Home Plus Insurance Buildings and Contents
  • QBE Home Cover
  • RAA Home and Contents Insurance
  • RAC Building, Contents and Personal Valuables Insurance
  • RACV Home Insurance
  • RAMS Essential Care
  • RAMS Premier Care
  • RAMS Quality Care
  • SGIC Home Insurance Buildings and Contents
  • SGIC Home Plus Insurance Buildings and Contents
  • SGIO Home Insurance Buildings and Contents
  • SGIO Home Plus Insurance Buildings and Contents
  • Shannons Home and Contents Insurance
  • St George Essential Care
  • St George Premier Care
  • St George Quality Care
  • Suncorp Classic
  • Suncorp Classic Advantages
  • Suncorp Classic Extras
  • Territory Insurance Office (TIO) Essential Cover (Listed Events)
  • Territory Insurance Office (TIO) Premium Cover (Accidental Damage)
  • Westpac Essential Care
  • Westpac Premier Care
  • Westpac Quality Care
  • Youi Home Insurance
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    Our test report compares products across these 37 criteria.

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