enter value/s in increments of 1 between 0 and 0
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CHOICE Expert Rating
The overall score is made up of what you're covered for (60%) and price (40%).
enter value/s in increments of i between 45 and 77
Cover score
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%).
enter value/s in increments of i between 40 and 78
Price score
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 26 and 82
Satisfaction score
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
Price rating available
Prices aren't available for all policies. Use this filter to only select policies with price ratings.
Pay-by-the-month charge
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
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.
Sold in the ACT
Sold in NSW
Sold in the NT
Sold in North Queensland
North Queensland means north of the Tropic of Capricorn.
Sold in South Queensland
South Queensland means south of the Tropic of Capricorn.
Sold in South Australia
Sold in Tasmania
Sold in Victoria
Sold in Western Australia
North WA means north of the Tropic of Capricorn.
Building underinsurance safety net
Policies with an underinsurance safety net will cover up to 30% more than your building sum insured if you didn't insure your home for enough to cover rebuilding costs. This filter doesn't exclude policies with total building replacement cover - another form of underinsurance safety net.
enter value/s in increments of i between 0 and 30
Contents underinsurance safety net
Policies with an underinsurance safety net will cover up to 30% more than your contents sum insured if you didn't insure your contents for enough to cover repair and replacement costs.
enter value/s in increments of i between 0 and 30
Accidental damage to building
Cover for accidental damage to your building.
Accidental damage to contents
Cover for accidental damage to contents at your home.
Cover for unspecified portable contents
Cover for unspecified portable items such as jewellery, phones and sporting equipment. Some insurers will cover general contents away from home, while others cover a limited range of items (check the PDS for specifics). A few make you individually insure any item you want covered away from home. You may be covered for accidental loss and damage, on top of the usual list of insured events. In some cases you will pay a reduced excess.
24/7 emergency phone line
Insurer has a 24/7 phone line for emergency out-of-hours claiming.
Included in this review
- CHOICE Expert Rating
- Price score
- Cover score
- Recommended
- Satisfaction score
- concat3
- 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
- Emergency storage
- 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
- ACT price comparison
- 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