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Home & Contents Insurance In Australia: Compare & Save!

Household Insurance Online is a free home and contents insurance comparison and broker-matching service. We refer your enquiry to a licensed broker from our national panel, who can access rates from a range of insurers to help you compare competitive Household insurance options tailored for you.

We help you find the right cover at competitive rates!

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Comparison results are from participating brokers within 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.

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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.

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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.

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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.

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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.

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Personal Advice

Insurance Online does not provide personal financial advice or claims assistance directly. All enquiries, including quote comparisons and initial claims assistance, are handled by a licensed broker selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request and can provide you with personal advice where appropriate. For some products, claims may ultimately be managed directly by your chosen insurer. All brokers in our referral panel are appropriately licensed and describe themselves as specialists based on their experience and declared areas of practice.

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Broker Matching

A licensed Household Insurance broker from our referral panel will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your home insurance quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

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Insurance News

APRA's Intervention: Freezing Unjustified Premium Hikes in Commercial Auto Insurance
APRA's Intervention: Freezing Unjustified Premium Hikes in Commercial Auto Insurance
06 Apr 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has recently taken decisive action to address escalating concerns within the commercial auto insurance sector. In response to widespread industry protests over substantial premium increases, APRA has implemented emergency regulations aimed at protecting independent transport operators and logistics enterprises from potential financial distress. - read more
Navigating 2026: Key Challenges Identified by Australian Insurers
Navigating 2026: Key Challenges Identified by Australian Insurers
06 Apr 2026: Paige Estritori
As 2026 unfolds, Australian insurers are confronting a trio of pressing challenges that are reshaping the industry's landscape. According to insights from Gallagher Bassett's upcoming report, 'The Carrier Perspective: 2026 Claims Insights,' the foremost concerns include rising premium costs coupled with shrinking insurability, escalating cyber and data risks, and increasing difficulties in attracting and retaining skilled workers. - read more
Addressing the Looming Truck Driver Shortage in Australia
Addressing the Looming Truck Driver Shortage in Australia
06 Apr 2026: Paige Estritori
Australia's transport industry is sounding the alarm over a significant and growing shortage of truck drivers, a situation that poses a substantial threat to the nation's supply chain. The National Road Transport Association (NatRoad) has highlighted that the current shortfall of approximately 28,000 drivers is projected to escalate to 78,000 unfilled positions by 2029, representing a 26% decrease from the current workforce of 189,900 drivers. - read more
APRA Emphasises Immediate Action on Extreme Weather Mitigation
APRA Emphasises Immediate Action on Extreme Weather Mitigation
06 Apr 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has released a pivotal report highlighting the pressing need for immediate and substantial action to shield communities from the escalating impacts of extreme weather events. This Insurance Climate Vulnerability Assessment (ICVA) serves as a stress test, modelling potential future scenarios rather than forecasting specific outcomes. However, the risks outlined are already becoming evident, reinforcing the insurance industry's calls for urgent intervention to mitigate extreme weather risks. - read more
FAAA Challenges Proposed Increases to Professional Indemnity Insurance Limits
FAAA Challenges Proposed Increases to Professional Indemnity Insurance Limits
06 Apr 2026: Paige Estritori
The Financial Advisers Association of Australia (FAAA) has recently voiced its opposition to proposed increases in professional indemnity (PI) insurance limits, cautioning that such changes could lead to significant cost burdens for financial advisers. In a submission to the Treasury's consultation on potential reforms to PI insurance within the financial services sector, the FAAA emphasised that reforms to the Compensation Scheme of Last Resort (CSLR) should take precedence over adjustments to minimum PI settings. - read more
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Household Insurance Articles

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
How Often Should You Review and Update Your Household Insurance Policy?
How Often Should You Review and Update Your Household Insurance Policy?
It’s easy to think of household insurance as something you purchase once and forget about. However, this approach can leave you vulnerable to unexpected risks. Your home and its contents change over time, and so do your insurance needs. - read more
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
The Essential Guide to Comprehensive Household Coverage in Australia
The Essential Guide to Comprehensive Household Coverage in Australia
Comprehensive household coverage, often referred to as home insurance, is a policy designed to protect your home and its contents against a wide array of risks. This type of coverage typically includes protection against natural disasters, theft, vandalism, and various unforeseen events. In simple terms, it's the safety net that ensures peace of mind should the unexpected happen to your property or possessions. - read more
How Much Should You Budget for Insurance in Australia?
How Much Should You Budget for Insurance in Australia?
Welcome to the comprehensive guide on navigating the diverse world of insurance in Australia. Whether you're safeguarding your personal assets or protecting your business interests, insurance plays a pivotal role in financial security. In this introductory section, we'll explore why budgeting for insurance is crucial for Australians, delve into the various types of insurance available, and illustrate how insurance should integrate into your broader financial planning strategy. - read more

Knowledgebase
Liability Insurance:
A type of insurance that provides protection against claims resulting from injuries and damage to people and/or property.

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