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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

Understanding the Impact of NSW's Building Bill 2026 on Modular Construction Insurance
Understanding the Impact of NSW's Building Bill 2026 on Modular Construction Insurance
29 May 2026: Paige Estritori
The New South Wales Government has introduced the Building (Approvals and Practitioners) Bill 2026, a legislative proposal that formally recognises prefabricated and modular construction—collectively termed Modern Methods of Construction (MMC)—within the state's regulatory framework. This integration under the Home Building Act 1989 and the Environmental Planning and Assessment Act 1979 marks a significant shift in how construction projects are approved and managed in NSW. - read more
RICS Q1 2026 Report: Rising Costs Challenge Australia's Construction Sector
RICS Q1 2026 Report: Rising Costs Challenge Australia's Construction Sector
29 May 2026: Paige Estritori
The Royal Institution of Chartered Surveyors (RICS) has released its Q1 2026 Global Construction Monitor, providing a comprehensive overview of the current state of the construction industry in Australia. The report indicates that while overall construction activity remains steady, the sector is grappling with escalating costs and tightening credit conditions. - read more
Aon's 2026 Insights: Asia Pacific Construction's Resilience and Evolving Risk Landscape
Aon's 2026 Insights: Asia Pacific Construction's Resilience and Evolving Risk Landscape
29 May 2026: Paige Estritori
Aon plc, a leading global professional services firm, has released its 2026 Global Construction Insurance and Surety Market Report for the Asia Pacific region. The report underscores the resilience of the construction sector, buoyed by sustained infrastructure investments and a surge in digital infrastructure projects. However, it also highlights the evolving risk landscape that accompanies these developments. - read more
Australian Insurers Grapple with AI Disruption Fears
Australian Insurers Grapple with AI Disruption Fears
29 May 2026: Paige Estritori
In recent months, Australian insurance giants such as Insurance Australia Group (IAG), Suncorp, and QBE have experienced notable declines in their stock prices. This downturn is largely attributed to growing investor concerns over the potential disruptive impact of artificial intelligence (AI) on the insurance industry. - read more
Court Denies Allianz's Attempt to Limit Uniting Church's Insurance Coverage
Court Denies Allianz's Attempt to Limit Uniting Church's Insurance Coverage
29 May 2026: Paige Estritori
In a recent legal development, Allianz Australia has been unsuccessful in its attempt to limit the Uniting Church's insurance coverage for historical sexual misconduct claims to $15 million under a professional indemnity policy. This ruling has significant implications for both insurers and policyholders regarding the extent of coverage in cases involving misconduct allegations. - read more
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Household Insurance Articles

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
Household Insurance for Australian Renters: What You Should Consider
Household Insurance for Australian Renters: What You Should Consider
Household insurance is a type of coverage that protects you against financial losses from events such as theft, fire, or natural disasters. It typically includes two main components: building insurance, which covers the structure of the home, and contents insurance, which covers personal belongings within the home. - read more
The Ultimate Checklist for Comparing Home Insurance in Australia
The Ultimate Checklist for Comparing Home Insurance in Australia
Embarking on the journey of homeownership is a landmark event full of anticipation and dreams. As Australians, we cherish the sanctuary of our homes against the backdrop of our incredibly diverse and sometimes unpredictable climate. However, with this excitement comes a significant responsibility—protecting your investment with the right home insurance. - read more
How to ensure your home renovation is covered by your insurance policy
How to ensure your home renovation is covered by your insurance policy
Renovating your home can be an exciting time, but it can also be a stressful one. There are so many things to consider and plan for, including financing the renovations, choosing the right contractor, and selecting the materials to be used. One aspect that often gets overlooked during planning is the impact that renovations can have on your insurance coverage. - read more
Top 10 Questions to Ask Before Buying Home Insurance in Australia
Top 10 Questions to Ask Before Buying Home Insurance in Australia
For many Australians, owning a home is a significant life achievement and a substantial financial investment. Protecting this asset is crucial, which is where home insurance becomes indispensable. As we navigate the complexities of life and confront the unpredictable forces of nature, the right home insurance acts as a financial shield against potential losses. Whether it's a natural disaster, accidental damage, or theft, having a robust insurance policy ensures that your home and peace of mind remain intact. - read more

Knowledgebase
Insurance Deductible:
the amount that an insured is required to contribute toward an insurance claim as stipulated in an insurance policy. Otherwise known as the "policy excess".

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