Household Insurance Online :: Home

Home & Contents Insurance For Australian Homeowners & Renters

Home and contents insurance helps homeowners and renters manage the financial impact of risks such as fire, storms and theft. Understanding building and contents cover, rebuilding costs and the value of your belongings can help you recognise gaps and underinsurance. Explore our household insurance articles, insurance news and podcast ... or connect with a household insurance broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options.

  • Building cover
  • Contents cover
  • Storm and fire risks
  • Theft and personal belongings
  • Rebuilding and replacement costs
  • Understanding underinsurance

Start Your Quote Here!

First Name:
Postcode:

All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Household insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Household Insurance

Household insurance is an insurance cover for individuals and families to indemnify against the financial implications resulting from unexpected losses to the home, contents and personal effects.

Household insurance comes in a range of forms and may include Building cover, Contents cover, Special Risks cover, Domestic Liability cover and Domestic Workers Compensation.

>> Start here >>

Competitive rates

Simply complete our short online quote form to be connected with a broker who can help you compare competitive Household Insurance quotes from a range of insurers.

>> Start here >>

Make Informed Decisions

Visit our extensive library of informative Household Insurance Articles, the latest Insurance Online News, and listen to the latest episode of our News Podcast to stay in the loop with what's happening, why it matters to you, and some key takeaways you can use.

News Podcast >>

Compare Options

Household insurance policy conditions and provisions can vary significantly between insurance companies so it is highly recommended that you seek comprehensive advice before selecting a policy to meet your particular needs.

>> Start here >>

Multiple Insurers

Household insurance is available through many financial institutions and brokers offering Household insurance in Australia.

However Household insurance is a specialist field so, when looking for the best Household insurance solution, it is advisable to seek the services of a specialist who is licensed in the field of Household insurance.

>> Start here >>

Personal Advice

Insurance Online does not provide personal financial advice or claims assistance directly. Your enquiry is referred to a licensed broker from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request and can help you compare quotes and provide personal advice where appropriate and within their authorisation. Ask your broker or insurer what claims assistance is available. For some products, claims may ultimately be managed directly by your chosen insurer. All brokers in our referral panel are appropriately licensed.

>> Free Quote >>

Broker Matching

Referral to a licensed Household Insurance broker from our referral panel may take account of your selected product and location, as identified from the answers you provide in your home insurance quote request, as well as broker availability and operational factors such as bidding settings. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

>> Find a Broker >>

Frequently Asked Questions


    Insurance News

    New WHS figures sharpen the risk picture for tradies
    New WHS figures sharpen the risk picture for tradies
    11 Nov 2026: Paige Estritori
    Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
    Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
    Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
    10 Nov 2026: Paige Estritori
    A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
    Strata Storm Claim Ruling Puts Defect Exclusions in Focus
    Strata Storm Claim Ruling Puts Defect Exclusions in Focus
    10 Nov 2026: Paige Estritori
    A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more
    Healthcare liability pressure puts clinic renewal evidence in focus
    Healthcare liability pressure puts clinic renewal evidence in focus
    10 Nov 2026: Paige Estritori
    A new Australian healthcare professional liability market update points to a sharper divide between general insurance market conditions and the experience of healthcare organisations arranging malpractice and professional liability cover. Lockton’s 1 November 2026 update says established insurers remain selective, claims inflation is affecting attachment points and underwriters are looking more closely at how clinical governance works in practice, not merely whether accreditation exists. - read more
    WA Child Safety Changes Put Fitness Compliance in the Spotlight
    WA Child Safety Changes Put Fitness Compliance in the Spotlight
    10 Nov 2026: Paige Estritori
    Western Australia’s updated Working With Children Check laws are a timely reminder that fitness business risk is not limited to physical injury, equipment damage or venue incidents. The changes, in effect from 17 September 2026 and highlighted by AUSactive in October, mean certain adverse Working With Children outcomes from other Australian jurisdictions can now affect a person’s ability to work with children in WA. - read more
    Click for more Insurance News
    Household Insurance Articles

    10 Common Household Insurance Policies: What Aussie Families Need to Know
    10 Common Household Insurance Policies: What Aussie Families Need to Know
    Household insurance is an essential aspect of financial planning for Australian families. It provides peace of mind and financial protection in case of unexpected events such as natural disasters, theft, or accidents. Given the unpredictable nature of life, having the right insurance policy can safeguard your home and its contents, ensuring that you are not left in a financial bind when disaster strikes. - read more
    Common Home and Contents Insurance Exclusions in Australia
    Common Home and Contents Insurance Exclusions in Australia
    Home and contents insurance can provide valuable protection, but every policy has exclusions, limits and conditions. This guide explains common exclusions in Australian policies and what to check before buying, renewing or claiming. - read more
    Household Insurance 101: How to Effectively Plan Your Coverage
    Household Insurance 101: How to Effectively Plan Your Coverage
    Household insurance, commonly referred to as home insurance, is a type of policy that provides financial protection for your home and belongings against damage, theft, or loss. In Australia, this type of insurance is crucial for homeowners and renters alike, offering peace of mind in the face of unexpected events. It's designed to help you recover and rebuild without bearing the full financial burden yourself. - read more
    Understanding Sum Insured, Rebuild Costs and Underinsurance in Home Insurance
    Understanding Sum Insured, Rebuild Costs and Underinsurance in Home Insurance
    Choosing a sum insured is one of the most important parts of arranging home and contents insurance. This guide explains the difference between rebuild cost, market value and contents value, how underinsurance can happen, and how Australians can review their cover more confidently. - read more
    Why Income Protection Insurance Matters for Every Australian Earner
    Why Income Protection Insurance Matters for Every Australian Earner
    The unpredictable nature of life can often leave us vulnerable to financial uncertainty, especially when it comes to our ability to earn an income. Whether due to illness, injury, or unexpected job loss, the loss of income can have a devastating impact on our financial stability and quality of life. This is where the importance of insurance in financial planning becomes evident. - read more

    Knowledgebase
    Claim:
    A formal request made by the policyholder to the insurance company for payment of a loss covered by the insurance policy.

    Quick Links: | Home And Contents Insurance Australia | Home Insurance Australia | Contents Insurance Australia | Household Insurance | Home Insurance Quotes | Best Home Insurance Policies | Affordable Home Insurance | Home Insurance Comparison | Home Insurance Coverage | Home Insurance Premiums | Home Insurance Discounts
    This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Unique Group Broker Services.
    IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.