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Home & Contents Insurance

Your house isn't just the building you live in, it's your home - it contains all your possessions and is somewhere you need to be able to feel secure. So it's important to find the right home and contents insurance to protect your home against unexpected damage or loss. 
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Why Choosi?

Choosi makes finding home and contents insurance easy.

Compare the benefits and prices of a range of leading insurance policies, to help you choose cover that suits your needs and budget. Learn More  

 

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Considering home and contents insurance?

Ask yourself two simple questions:

 
1. Do you rent or own a property?
 
2. Do you keep valuable belongings at home?

 

If you answered yes to either of these questions, home and contents insurance might be for you.

Learn more about home and contents insurance

Choosing the right insurance can be complicated and confusing. These clear, simple articles provide general information aiming to help you understand more about home and contents insurance, how it works and why you should consider it.

There are three main types of home insurance to choose from.

 

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    Home and contents insurance

    Combined cover for your house and your possessions. It covers the cost of repairing or rebuilding your home if it's damaged, for example by a natural disaster. It also covers your belongings - such as furniture, clothes, electronics, jewellery, sports equipment, carpets and curtains - from loss, damage or theft. Optional extras may also be available like protection for your portable items when away from home and motor burnout.

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  •  
    Contents insurance

    Contents insurance is stand-alone cover for your belongings such as jewellery, electronics, books, appliances and whitegoods, furniture, carpets, curtains and any detachable fittings and furnishings. 

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    Landlords insurance

    Protects your house and other buildings, like garages and sheds against loss or damage. Landlords insurance provides cover against theft, malicious damage, loss of earnings, as well as storms, flood, fire and other natural disasters.

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Frequently asked questions

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If you are a homeowner, the answer is probably 'yes'. Here's why:

  • Almost all home loan arrangements require you to take out an insurance policy on your property.
  • Your home is most likely your most significant financial asset — so it makes sense to protect it.
  • If you lost your home in a natural disaster, you probably couldn’t afford to replace it, potentially leaving you and your family homeless.

If you're renting, you don't need home insurance — but you can still protect your belongings with a standalone contents policy.

For most policies, it’s up to you to estimate how much it would cost to rebuild your home — so take care to get it right. There are two ways of finding out this amount:

  • Hire a surveyor to carry out a professional assessment of your property.
  • Get a rough estimate, using a rebuild calculator, available on insurer websites.

Note: 'Total replacement' policies will rebuild or repair your home, whatever the cost. The insurer — not you — is responsible for estimating the value of the property correctly, ensuring you won’t be left out of pocket. However, these policies can be more expensive.

One good way to work out how much contents insurance you need is to go room to room (including sheds and garages), adding up the value of your belongings

You will want to include your clothes, jewellery, books, electronics, appliances and whitegoods, and don’t forget furniture, carpets, curtains and any detachable fittings and furnishings. Check the Product Disclosure Statement (PDS) of the policy you’re interested in to see the maximum limits for certain items. If you have items worth more than the limit, you may need to cover them separately as specified valuable items.

If an accident at home causes damage to your valuables — for example, a painting falls from the wall or you spill paint on the carpet — this may not necessarily be covered by your insurance policy.

While some providers cover all types of damage in the home, others specify certain types of incidents such as burglary or fire — or charge an extra premium to cover you for accidents. You will need to review the conditions of the policy carefully before deciding if it gives the level of cover you want.
All contents insurance policies cover your belongings at home — but they can vary as to where else you’ll be covered. Depending on the policy, you may have cover throughout Australia and the world, or you may need to pay an extra premium for an item to cover it outside the home. Check the policy details carefully before you buy.

Brands you can trust

 

Choosi is unable to arrange products from these brands directly, but on request will refer you to our partner who can.
Budget Direct
Real Insurance
Virgin Money

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AFSL Number: 402397 Secure Copyright © 2018 Choosi Pty Ltd ABN 15 147 630 886

Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is a related company of Greenstone Financial Services Pty Ltd (ABN 53 128 692 884; Ground Floor, 58 Norwest Blvd, Norwest, NSW, 2153, Australia), the distributor of each pet insurance, life insurance, income protection insurance and funeral insurance policy. Choosi is able to arrange directly for the following brands: Chubb Insurance Australia Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance, Guide Dogs Pet Insurance, and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436; Level 12, 465 Victoria Ave, Chatswood, NSW, 2067, Australia), the issuer of each pet insurance product Choosi is able to arrange directly.

Where requested by you, we can provide access to other Life, Income Protection and Funeral Insurance brands by referring you to a third party partner. The Home & Contents and Car Insurance products available are issued and distributed by Compare the Market Pty Ltd (ABN 83 117 323 378, AFSL 422926). The Business Insurance products available are issued and distributed by BizCover Pty Ltd (ABN 68 127 707 975, AR 338440), an Authorised Representative of Mega Capital Pty Ltd (ABN 37 098 080 418, AFSL 238549). If you choose to purchase these products we will refer you to the appropriate partner. If you purchase a product as a result of a referral, we will receive a fee or commission, depending on the partner you are referred to.

Choosi has commercial relationships with all insurers that are available for comparison. Choosi obtains a commission from the insurer for arranging any insurance you choose to buy.

Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance, and final expenses insurance products sold through Choosi are available through this website. Relevant PDSs and/or Policy Wording Documents for products available through our partners are available on their websites.