Best home insurance September 2026

Value

Youi Building and Contents Insurance

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Solid coverage and Finder Rewards gift card

Customer satisfaction

Budget Direct Home & Contents Insurance

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2025 Finder Customer Satisfaction Award

Floods

QBE Home & Contents Insurance

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Cover for flood, storms, fires and more

Bonuses

Qantas Home and Contents Insurance

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Earn bonus Qantas Points

What makes a home insurance policy "the best?"

The best home insurance for you will depend on your budget and personal circumstances. Our experts have chosen a bunch of picks that will suit a range of people, but these should only be used as a guide. You should always read the PDS to know if a product is a good fit for you.

We’ve broken down our assessment into five categories based on what most Australians are looking for in a home insurance policy.

• Customer Satisfaction. We asked Australians about how they feel about their insurer and the standard of service they provide.
• Unique Features. We recognise the insurers who go the extra mile to deliver a unique customer experience.
• Flood Cover. Automatic flood cover can be hard to come by in home insurance, but there are some insurers out there simplifying coverage options for customers.
• Value. These insurers give customers the best bang for their buck. Our experts gathered 430 quotes from 44 insurers and reviewed policy features and price to determine a winner.
• Comprehensiveness. Many Australians want to be prepared for every scenario, but without having to pay an arm and a leg for coverage. Winners in this category maintained a good balance between cover and price.

Best home insurance in January 2026

• Best for Value: Youi Building and Contents Insurance
• Best for Customer Satisfaction: Budget Direct Home & Contents Insurance
• Best for unique features: Honey Home & Contents Insurance
• Best for floods: QBE Home & Contents Insurance
• Best for bonuses: Qantas Home and Contents Insurance
• Best for comprehensive: Allianz Home and Contents Insurance

How we choose Australia’s best home insurance policies

Our insurance team has hand-picked 4 home and contents insurance policies. They’re based on 2026 Finder Awards data, AFCA complaints, customer reviews and a bunch of other important factors, such as flood and bushfire cover.

All the policies can pay to repair your home and its contents if damaged by an insured event such as a fire, bushfire or storm. Not all cover floods though – we've highlighted which ones in each of our reviews.

How to find the best home insurace in Australia

While budgets may be getting tighter, a lot of us still want access to the best products on the market. If you want to do the heavy lifting yourself and tailor your search, here are our top tips for finding the best home insurance for you:

• Compare, compare, compare. One of the easiest ways to find the best home insurance policy for you is to compare your options. Determine what matters most to you and use those factors to narrow down your search. We recommend obtaining quotes from at least three different insurers to ensure you get a competitive deal.
• Enquire about discounts. Whether you’re looking to snag a sign-up discount, a special offer, or a combined policy discount, speak to different insurers to see what’s on the table.
• Get in touch with your insurer. Starting from scratch is one way to go, but you do have the option of making your current policy a winner, too. Many insurers are keen to keep customers by any means possible, putting you in a position to negotiate a better deal.

"We've had a leak in our home before, and even though repairs were covered by insurance, fixing the actual issue fell to us – which cost over $16,000. So, the home sensor pack Honey sent us gave us extra peace of mind that we don't have any sneaky leaks or hidden issues."

Sarah Megginson

Money expert + media spokesperson

Home insurance for landlords and renters: what are your options?

If you’re a landlord or living in a rental property, finding the best home insurance can be tricky — but not impossible. We’ve listed some options below:

• Compare, compare, compare. As a landlord, protecting your investment property against damage is crucial to maintaining its success on the market. Landlord insurance will cover you from damage to your property, missed rental payments and more. Our research showed Budget Direct, QBE and Qantas offered some of the best landlord insurance policies around.
• Renters. If you’re a renter, you don’t have to worry too much about home cover, you’ll want to look into contents-only insurance. This covers your personal belongings inside the rental property, including furniture, appliances, electronics, tools and jewellery.
• Holiday home owners. For those who rent out their home on Airbnb or Stayz, you’ll want to consider holiday let insurance. These policies can back tacked onto your existing home and contents cover and cover things like damage caused by tenants or guests, loss of rental income, legal liability and theft.

Top 5 home insurance companies in Australia

Want to know how people actually feel about their insurer? So do we! That's why we surveyed a bunch of Australians about their home insurance provider. We asked them to rate them based on: customer service, features & benefits, ease of application, value for money and reliability. Here's who came out on top.

Brand	Overall satisfaction rating
	★★★★★ 4.25/5
	★★★★★ 4.20/5
	★★★★★ 4.11/5
	★★★★★ 3.40/5
	★★★★★ 3.36/5

We've also researched and reviewed a bunch of home insurance companies to help you decide.

If the brand you're looking for isn't here, check out our directory.

FAQs

• What is the best home insurance company?

  There are a lot of home insurance companies that could be deemed ‘the best’ but it all depends on what your individual circumstances are and what your needs look like. To give you a place to start, here are some of our recent award winners:

  • Best value: AAMI
  • Best comprehensive: Allianz
  • Most loved for customer satisfaction: NRMA

• What home insurance company has the highest customer satisfaction in Australia?

  NRMA won the 2025 Finder Award for Customer Satisfaction. This is because its own customers rated it highly in the following areas: trust, service and ease of application.

• How much should you insure your house for Australia?

  You should insure your house for the amount it would cost to rebuild your home if it was completely destroyed. This is really hard to figure out yourself but calculators can help.

  Honey home insurance also has a really great calculator that uses third party data to estimate your rebuild costs. You can use it for free when you get a quote.

• How do I estimate the value of my contents for insurance?

  You’ll need to consider all the items in your home and how much it’d cost to replace each of them. It can help to go room by room and list what’s there; furniture, art, appliances, etc. A quick google can help you understand how much you’d need to pay to replace each item.

• Is it cheaper to combine home and contents insurance?

  Not always - it could be cheaper to separate if there’s sign up discounts with each provider. It’s always worth getting quotes for a few scenarios and going from there.

Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

Co-written by

Ceyda Erem

Senior writer

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise

Ceyda has written 201 Finder guides across topics including:

• Insurance