Explore Home & Contents Insurance

Honey home and contents insurance at a glance

  • Choose to include complimentary Smart Home sensors on eligible policies to detect some common household risks and get a discount on your premiums
  • Underwritten by RACQ Insurance (RACQ), one of Australia’s most trusted brands

About Honey Insurance

Honey Insurance offers a smarter home insurance product, using fully integrated smart technology to mitigate some household risks through smart sensors. Honey’s mission is to eliminate up to 50% of accidents that commonly occur in the home. Honey customers who install the complimentary sensor kit at home can expect lower premiums in return (refer to the PDS for full terms and conditions).

What Honey home and contents insurance covers

Honey Insurance provides cover for home, contents and combined policies.

Some insured events that Honey Insurance can cover include:

  • Earthquakes
  • Tsunamis
  • Floods
  • Fires
  • Theft
  • Vandalism
  • Animal damage
  • Impacts
  • Leaks
  • Storms
  • Storm surges
  • Lightning strikes.

Honey home insurance can cover the following household features and fixtures:

  • Fixed appliances that are connected to gas, plumbing or electrical systems (e.g. air conditioning units, ovens and stoves)
  • Ceiling and exhaust fans
  • Fixed coverings on ceilings, floors and walls
  • Fixed barbeques, clothes lines, shade sails, awnings and blinds
  • In-ground swimming pools, spas and saunas, as well as their pumps, motors and filters
  • Sealed driveways, paving, garden borders, paths and bridges
  • Fences, gates and walls
  • Built-in furniture
  • Solar panels and fixed outdoor water tanks.

Always read the Product Disclosure Statement (PDS) before purchasing a policy to see exactly what you’re covered for and the limits of your insurance.

Why choose Honey home and contents insurance?

Honey home and contents insurance brings a fresh approach to reducing risks at home by giving you the option to use new smart technology to alert you to fires, doors or windows opening and water leaks, ideally before these damage or destroy your insured items.

Honey stands out from other insurers by providing customers with the following benefits:

  • A quick way to get insured in as little as three minutes
  • Choice of complimentary smart home sensors on eligible policies
  • A discount on your premiums by using Honey’s Smart Home Program’s sensors kit

Frequently asked questions

How can I pay for my Honey home and contents insurance, and is it cheaper to pay my premium annually?

Honey Insurance customers can pay their premiums in monthly instalments or as an annual lump sum at the commencement of their policy via direct debit. Honey offers customers the option to pay monthly at no extra cost.

Payments can be automatically deducted from your nominated bank account or credit card. If you pay annually, you must pay by the due date. For monthly payments, you must make sure that you have enough money in your account to cover each instalment on your payment date.

What contents does Honey Insurance cover?

Honey contents insurance covers the following items:

  • Sports and recreation items
  • Tools and gardening equipment
  • Electrical appliances (e.g. laptops, phones, computers and gaming consoles)
  • Jewellery, watches and gold and silver artefacts
  • Clothing, shoes and bags
  • Carpets and floor coverings
  • Furniture and furnishings
  • CDs and DVDs

Always read the Product Disclosure Statement (PDS) before purchasing a policy to see exactly what you’re covered for and the limits of your insurance.

Is storm and natural disaster damage covered by Honey home and contents insurance?

Storm and natural disaster damage (including earthquakes, tsunamis, and lightning) are covered by Honey home and contents insurance.

Does Honey home insurance cover tenanted properties?

Honey Insurance offers a landlord insurance product which can cover tenanted properties for the following:

  • Vandalism and malicious/accidental damage
  • Clean up costs after theft, vandalism or a police investigation
  • Loss of rent for up to 12 months while your property is being rebuilt or repaired after an insured event
  • Rent default, including legal costs of eviction and rent recovery
  • Fixtures, fittings, coverings, carpets, blinds and curtains
  • Broken glass
  • Demolition costs and debris removal costs
  • Redesign costs when repairing or rebuilding the property
  • Lifetime guarantee on repairs authorised by Honey
  • Lock replacement, re-keying, or recoding.

Some insured events that your Honey landlord insurance could cover you for include:

  • Animal damage
  • Earthquakes
  • Tsunamis
  • Fires and explosions
  • Impacts
  • Floods, water runoff and leaks
  • Lightning
  • Riots
  • Storms and storm surges
  • Theft and attempted theft
  • Legal liability (up to $20 million)

How do I make a home and contents insurance claim with Honey Insurance?

Honey has made it simple to make a claim for insured events, as they’re available 24 hours a day. You can get your claim started with Honey Insurance by contacting them via phone, email or by logging in to your customer account through the website.

What is the excess on Honey home and contents insurance?

A basic excess will apply when you make an insurance claim with Honey. An additional excess may be applicable if the claim is related to an earthquake. Additionally, if you’re claiming for any optional extras, a fixed excess related to that benefit may have to be paid, instead of the basic excess.

You may be able to choose your basic excess amount, which in turn may affect the premiums you pay; for example, a higher excess amount may lower your premiums.

How do I cancel my Honey home and contents insurance?

After taking out a new policy with Honey, you have a 21-day cooling-off period during which you can cancel your policy and receive a full refund of your premium (provided you haven’t claimed in that time).

You can inform Honey that you wish to cancel your policy anytime. The cancellation will occur from the date they receive your written request, or on a preferred date if Honey agrees.

What is the Smart Home Program and how does it work?

When you take out Honey home and contents insurance, you can opt to receive a complimentary home sensor kit and a discount on your premium. The sensors will help alert you to some common mishaps around the home.

Install the three multi-purpose sensors around your home and connect them to your Wi-Fi to set them up through an app. The sensors will detect anomalies that could potentially lead to incidents, like water leaks, opened doors and windows and temperature changes.

Refer to the PDS for full terms and conditions.

Can I get insurance for my home office?

Honey has taken a proactive approach to the growing trend of hybrid work arrangements and will cover you while you work from home for eligible damages to your equipment (e.g. personal computer, laptop, phone, office accessories).

Compare your home and contents insurance options today!

Want to see how Honey home, contents and landlord insurance stacks up against other insurers? Our complimentary comparison service makes it simple to compare a range of policies and providers all in one place and in just minutes.


Exclusions, Limits and Terms & Conditions apply. This is general advice only. See Honey’s Product Disclosure Statement and Target Market Determination for full details prior to making any decision. (Distributed by Honey Insurance AFSL 528244. Issued and underwritten by RACQ AFSL 233082)

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