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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

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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.

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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. 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.

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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.

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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
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    Household Insurance Articles

    10 Tips for Lowering Your Home and Contents Insurance Premiums
    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
    5 Essential Insurance Policies for Your Home-Based Business
    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
    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
    How to Check Whether Your Home Renovation Is Covered by Insurance
    How to Check Whether Your Home Renovation Is Covered by Insurance
    Renovating can improve your home's value, comfort and liveability, but it can also change the risks your insurer is covering. Before work starts, it is important to review your home and contents insurance, check exclusions and limits, and understand whether extra cover or policy changes may be needed during the project. - 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

    Knowledgebase
    Whole Life Insurance:
    A type of life insurance that provides coverage for the insured's entire lifetime, with a savings component that builds cash value.

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