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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!

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

Mergers and Acquisitions Transform Australia's Insurance Landscape

03 Apr 2026: Paige Estritori

The Australian insurance industry is currently undergoing a significant transformation, marked by a surge in mergers and acquisitions (M&A). This trend is reshaping the market landscape, as companies seek to enhance their competitive edge and adapt to evolving regulatory and technological environments. - read more

MECON Enhances Construction Insurance Capacity to $120 Million

03 Apr 2026: Paige Estritori

In a significant development for Australia's construction sector, MECON has announced an increase in its underwriting capacity, now offering coverage up to $120 million for single projects. This enhancement, effective from March 10, 2026, applies to Section 1 (Material Damage) and includes Section 2 (Public Liability), providing more robust insurance solutions for larger and more complex construction endeavors. - read more

Escalating Costs Impact Construction Insurance Claims in Australia

03 Apr 2026: Paige Estritori

Australia's construction industry is currently facing significant challenges as rising costs reshape the insurance claims landscape. A recent report by Crawford & Company highlights that construction expenses are increasing at a rate faster than general consumer prices, with the Building Cost Index (BCI) rising nearly 5% annually. This trend is particularly evident in cities like Brisbane and Perth, where strong demand, logistical challenges, and a persistent shortage of skilled labour contribute to escalating costs. - read more

Australian Insurers Advocate for Stronger Consumer Protection Laws

02 Apr 2026: Paige Estritori

The Insurance Council of Australia (ICA) has expressed strong support for the proposed Competition and Consumer Amendment (Unfair Trading Practices) Bill 2026. This legislation seeks to introduce a general prohibition on unfair trading practices within Australian Consumer Law, thereby enhancing regulatory powers to address predatory operators in the insurance industry. - read more

APRA Takes Action Against Unjustified Commercial Auto Insurance Premium Increases

02 Apr 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has implemented emergency measures to address significant concerns within the commercial auto insurance sector. In response to widespread industry protests over substantial premium increases, APRA has introduced regulations aimed at safeguarding transport operators from financial hardship. - read more

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Household Insurance Articles

10 Tips for Lowering Your Home and Contents Insurance Premiums

One of the best ways to lower your home and contents insurance premiums is to shop around for the best deal. Insurance companies often have varying rates, discounts, and offers that could save you a significant amount of money. Start by researching different insurance providers and their policy offerings. Make sure to compare not only pricing but also features, coverages and deductible amounts. - read more

Essential Tips to Find the Right Home and Contents Insurance for Your Family

In the face of unpredictable climate patterns and wild weather, safeguarding your home becomes a top priority, especially in a country like Australia. Choosing the right home and contents insurance is essential in providing a financial safety net against the forces of nature. With this in mind, the importance of insurance cannot be overstated, acting as a crucial buffer to protect your property and belongings. - read more

5 Essential Insurance Policies for Your Home-Based Business

If you're running a business from your home, you may think that your homeowner's insurance policy has you covered. Unfortunately, this is not the case. Homeowner's insurance policies are not typically designed to cover business-related losses, leaving you vulnerable to significant financial risks if something goes wrong. - read more

Why Australian Households Can't Afford to Skip Insurance

Household insurance is a critical safety net for many Australian families. It protects against unexpected events such as natural disasters, theft, and accidents, ensuring that your home and belongings can be repaired or replaced if something goes awry. - read more

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

Income Insurance:
Insures your income in the event of you being unable to work due to sickness or accident.

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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.