Explore Home & Contents Insurance

Budget Direct Home & Contents Insurance at a glance

  • Money magazine’s Insurer of the Year 2017, 2018, 2019 and 2020
  • 24-hour Claims Service

About Budget Direct Home & Contents Insurance

Founded in 2000, Budget Direct is proud to offer insurance that has helped over 3 million Australians since its inception with its award-winning Insurance products.

Budget Direct is underwritten by Auto & General Insurance Company Limited, an APRA-regulated Australian insurance company, and is part of the international BHL Group. The insurer’s commitment to innovation means you get the features you’d expect in your home and contents insurance.

Why choose Budget Direct Home & Contents Insurance?

Budget Direct’s customers rate their insurance 4.5 out of 5 stars, based on a survey of 30,609 Budget Direct Car and Home insurance customers conducted between 10 February 2015 and 29 February 2020.

Budget Direct is proud to offer insurance that could save you money. An award winner year after year, Budget Direct is committed to innovation meaning you get the features you’d expect + more including:

  • No forms to fill in – ever!
  • Annual or monthly payment options

Smart cover options so customers can customise their insurance.

Policy benefits

Here are some of Budget Direct’s Home and Contents Policy highlights:

  • Up to $20 million legal liability cover
  • Fire cover
  • Explosion cover
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic & sanitary fixtures
  • Storm & rainwater damage
  • Lightning Cover
  • Earthquake or Tsunami Cover
  • Escape Of Liquid
  • Impact at the Home
  • Annual or instalment payments
  • Debris Removal and extra costs of rebuilding
  • Temporary Accommodation Costs
  • Mortgage Discharge Costs
  • Funeral Expenses up to $7,000
  • Replacement Of Locks Up To $1,000
  • Contents while moving address
  • Uninsured Guests’ Contents Cover Up To $500
  • Unattached Equipment Cover Up To $500

Customers can tailor a policy to suit their own individual needs with the Budget Direct Smart cover options:

  • Personal Effects Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Commercial Storage Cover
  • Flood Cover
  • Choice Of Excess Options
  • Sum Insured Safeguard
  • Landlord – Tenant Default Cover*
  • Landlord – Theft and malicious damage by Tenant Cover*
  • Commercial Storage – Loss or damage caused by an insured event to contents stored in a commercial storage facility for your period of insurance. This only includes contents covered under your Contents Insurance cover, and during the period of insurance.

* Please note, at present, Optional Tenant Default cover for when your tenant stops paying rent or leaves without giving notice and Theft and malicious damage by tenants and their visitors cover is not available for purchase on new landlord Home and/or Contents Insurance Policies.

Always read the Product Disclosure Statement for each policy before making a decision to buy.

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