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  • Quote. Tell us about yourself and the type of cover you’re looking for. We’ll work in the background to bring you a great range of products.
  • Compare. Comparing options side-by-side is a great way to find a better deal. You can use our comparison service to find features that matter to you.
  • Buy. Found the right home insurance policy? You can easily purchase online. Need extra help? We’ll put you in touch with a trusted provider who’ll be happy to help.

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Frequently Asked Questions

What is home insurance?

Home insurance protects the ‘bricks and mortar’ of your house and sometimes outbuildings like garages, provided they are permanently fixed. There are two types of home insurance:

  • Total replacement cover. Covers the complete cost of replacing your house after a damaging event
  • Sum insured cover. Pays a pre-determined benefit towards repairing or rebuilding your home.

Looking for a policy to protect your home? Start the search with Compare the Market’s home insurance comparison service.

Why is home insurance important?

Buying a house may be one of the biggest investments you make in your life, so it makes sense to protect it accordingly. Storms, fires and accidents are all too common across the country, and such a calamity might mean thousands of dollars in repair, replacement or rebuilding costs.

Get a quote today with Compare the Market to find out how much your house could be covered for.

The cost of home insurance

The cost of home insurance takes into account various factors, such as your property’s age, building materials and location, just to name a few. Because of this, home insurance premiums vary greatly from state to state, postcode to postcode and perhaps even neighbour to neighbour.

If you’d like a price more accurate to your circumstances, head over to our home insurance comparison service to enter your details and get a quote.

What is included in home insurance?

While specifics vary between policies, home insurance can cover damage to your house caused by fires, storms, theft and more. Cover can also extend to outbuildings (e.g. garages, sheds).

Find out what’s covered by different policies with Compare the Market’s home insurance comparison service simply by entering details about you and your home. Otherwise, we’ve included a list of common inclusions and exclusions below.

What’s includedWhat’s excluded
  • Fire
  • Damage as a result of theft (relating to the physical house not its contents)
  • Hail/storm/lightning damage
  • Wind damage
  • Earthquakes
  • Damage caused by burst or leaking pipes
  • Cyclones
  • Damage caused by burst or leaking hot water systems
  • Rainwater damage
  • Oil leaks
  • Malicious damage
  • Damage caused by blocked drains
  • Legal liability
  • Leaving your house uninhabited for an extended period of time
  • Privately renting your house to someone while you’re away
  • Leaving your home unsecured, or not taking reasonable steps to secure it
  • Pre-existing damage (e.g. mouldy ceilings)
  • Animal damage
  • Renovations
  • Tree root damage
  • Termite damage
  • Structural defects

Please note: This list of inclusions and exclusions isn’t exhaustive and may change between policies and providers. Be sure to read the Product Disclosure Statement (PDS) of any home insurance policy before purchasing to find out what is and isn’t covered.

Home insurance providers in Australia

If you want to compare home insurance providers, you can use Compare the Market’s home insurance comparison service. Our service is free and easy to use, which means it only takes a few minutes to compare and purchase cover.

You can also take a look through the following list of home insurance providers in Australia.

  • 1300 Insurance
  • 1Cover (Home insurance only available to existing customers)
  • 1st for Women Insurance
  • AAMI
  • ACS Financial
  • AIG
  • Allianz
  • ANZ
  • Apia
  • Aussie
  • Australia Post
  • Australian Seniors
  • Australian Unity
  • Bank of Melbourne
  • BankSA
  • Budget Direct
  • Bupa
  • CCI Personal Insurance
  • CGU
  • CHU
  • Coles Insurance
  • Commonwealth Bank
  • COTA Insurance
  • Elders Insurance
  • Guild Insurance
  • Hollard
  • Huddle
  • IAL
  • ING
  • Insure Now
  • Insure That
  • Mansions of Australia
  • NRMA
  • Over Fifty Insurance
  • Ozicare Insurance
  • QBE
  • RAA
  • RAC
  • RACQ
  • RACT
  • RACV
  • Real Insurance
  • Resilium
  • SGIC
  • SGIO
  • Shannons
  • George
  • Suncorp
  • TIO
  • Vero
  • Virgin Money
  • Westpac
  • WFI
  • Woolworths Insurance
  • Youi

Information accurate as at 5 November 2019.

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