Best Home and Contents Insurance

Easy to set up home and content Insurance I'm happy good value for my needs Show details

Easy to follow and easy to edit. All the information was easy to understand. Show details

I am extremely disappointed with the service I received from Budget Direct. I contacted them to discuss contents cover including lost or stolen… Read more

items outside Australia and simply wanted an explanation as to why individual items needed to be listed rather than allowing a total insured amount. Instead of answering my question, the consultant repeatedly asked the same questions about how many items I had, their individual values, and even the karat value of gold items. It felt like talking to a robot rather than someone genuinely trying to help.

The process was unnecessarily tedious and time-consuming. I was placed on hold for a lengthy period, only for the consultant to return and tell me that the percentage wasn't sufficient and that they couldn't provide cover. When I asked why, he was unable to give a clear explanation and simply continued with the script instead of addressing my concerns.

Good customer service involves listening to customers and answering reasonable questions. Unfortunately, that did not happen in this case. The lack of communication, lengthy delays, and inability to provide clear explanations made for a very frustrating experience. Based on this interaction, I would not recommend Budget Direct.

I was worried about the total price of my home and contents. I rang up their contact hotline and only waited a few minutes. A policy expert from youi… Read more

helped me reduce my monthly payment. Now my monthly payment is less than last years payment plan. Thank you so much. Unfortunately I didn't get her name but she was excellent to deal with. Im pretty sure she helped me with my last year policy aswell.

I have had home and contents insurance with Kogan for the last two years. Very happy' BE WARNED. Kogan was underwritten by QBE insurance, a company… Read more

with good reviews. Kogan has changed their provider to Allianz insurance. My renewal notice has increased dramatically. I will be going directly to QBE.

I received outstanding service when changing my House & Contents insurance from my existing home to my newly bought house. We had shopped around and found the AHM Home insurance the best value for money! Have used AHM for over 10 years now! Show details

PATHETIC. After a robbery we were made to feel like the criminals, and it took two and a half months to get a payout. This company is only there to… Read more

look after its own interests, not the clients. The fees went up over a $1000 in 2 years. Good Riddens to huddle FOR EVER.

I have had insurance with YUOI for building and cars, and service was very good. Easy to reach out every time and anytime Show details

They had us complete thousands of dollars worth of compliance work the previous year, but when it came time to lodge a claim now, they still denied it. Hard to trust them with your home after that. AVOID Show details

I had a very heartbreaking experience after a tenant left my house like a crime scene. The punch hole in the bathroom door was consistent with the… Read more

entire house which was a wreck. The floor boards pulled up and replaced with cheap broken board with holes throughout in the front bedroom, and other parts of the house, is another obvious example of the malicious damage caused. Yet Allianz treated me coldly despite the video walk through and close up photos- all time stamped. The front door lock broken and whole house left open for days after the tenant left, not even secured by the agent who hid the damage for she knew it would reflect on her. Allianz refused this obviously strong claim. Pure evil!! I’m a nervous wreck- especially due to the drawn out painful process that i went through trying to make a claim and being treated so badly by Allianz

Very good value , even less than last year.Have made no claims yet , but am sure That there would be no problems Show details

Always happy with the overall experience with everyday rewards insurance . The best out there ! Show details

After being insured with Real home and contents insurance for around 20 years without making a claim, last year we claimed $400 for food spoilage as… Read more

our freezer stopped working. This year our premium was increased by more than 38% ie $666.13 increase. I contacted real insurance and they said that it was GST plus cost of repairs or replacement for claims ???? Wth. They did take $3 a month off when I complained (big deal) it seems to me that we are being penalized for making a claim after 20 years of not making a claim. I will definitely getting some more quotes to change to a fair insurance company.

Wow really impressed this year, renewal came through, price marginally dropped yet my insured building and contents had raised automatically. Very… Read more

unlike their competitors who don't drop their premiums and have never increased my insured amounts. Yet to make a claim, and hoping we don't need to, but should the need arise I hope the experience is as good as everything has been so far. Thanks.

Following the passing of our father our family contacted Apia to continue to pay the house and contents insurance. When the house was being sold we… Read more

contacted Apia to find out how to cancel the insurance. We were told it was best to ring back after settlement was finalised. We did that however we were then told nothing could be done until they received documents proving we had the authority to cancel the policy. Fair enough although we we had been paying the policy for over 12 months). If they had told us that on the earlier phone call we could have already sent the documents. Each time we tried to ascertain what documents were needed we were given different answers.We emailed power of attorney and were then told we needed to send the death certificate and the certificate of probate. We did that. We received an email back saying more information was needed. It was clear that the email and attachments we had sent to Apai hadnt been read or understood by the 'assisted digital specialist' because all of the information they were asking for had already been sent. We sent another email pointing out that the information had already been sent. Thankfully we had a different 'specialist' reply and they acknowleged that Apia did have all of the necessary information and the policy would be cancelled. We are now waiting on final confirmation of the cancellation and refund of last payment. (Hopefully that would happen in the next few days) The inconsistent information, the lack understanding of the law and basic compassion made cancelling the policy a much more stressing situation than it needed to be.

Our policy with NRMA worked really well whilst we were paying premiums for 20+ years. Unfortunately when making a claim it was an awful experience. … Read more

They kept referring to the policy document but either could not or would not provide the specific reference when I pointed out I could not see the point they were referring to. NPMA were appalling and I have since removed all other policies as they come up for renewal.

Leah and team from the QLD office got the job done, thank you. My property in Perth was flooded during the Christmas break due to a burst pipe. The… Read more

repairs took months, and there was a lot of back and forth, but we got there, and they did the right thing and replaced all the carpets required along with restoration of walls etc.

I have a large number of policies with AAMI, and it's good to know they are there when you need them.

I regret to insure with Coles Home Insurance, and even the one star rating they don’t deserve. They refused to fix my home and provided a poor… Read more

builder with poor customer service. My gate and fence were damaged by a car, and even the car insurance company admitted they would pay for the repairs. They made my life difficult with poor service, rejected fixing my house, and failed to meet expectations.

I was robbed and they said i changed my story. They didn’t settle my claim. They made out I was lying and a criminal. They even sent a ex detective… Read more

to drill me with questions. Yes I was confused because of my terminal illness but I tried my best. They knew I was robbed because I told them them the police called me and found some of my property in cash converters.they even made me ask my doctors name and could I get a report on my illness that I had. CGU scammed me with ex detective grilling me in my state of illness. Disgusting people.

Thought I’d look on here to see if there were other bad reviews. I’m am not shocked at all to see that most reviews are bad !! Why doesn’t this… Read more

surprise me at all What a bunch of inconsiderate [Content Removed] !! We had one supervisor looking after our case. He was amazing !! Things were finally getting done to our house after the floods in May last year . But [Name Removed] retired and our case was handed over to a guy named [Name Removed] Since he has taken over everything has been put on hold !! The builders working for him haven’t been paid. So they have stopped work . I don’t blame them at all Every time we call [Name Removed]. He doesn’t answer Surprise surprise We were told that house would be complete late May. So handed our 2 week notice in at the realestate we are renting from. We have had to extend this indefinitely because we do not know what the [Content Removed] is going on !! Please MK3. Pull your finger out

At far as I am concerned dealing with RAC has been one of the worst experiences I’ve ever had. They are super cocky & tell you if you aren’t happy… Read more

just complain to AFCA, well my advice would be don’t waste your time. We had several issues including way undervaluing everything that was damaged & not one of the complaints I lodged with them went in my favour. We have been insured with RAC for 11 years & had one other claim so hardly be a bad customers to them & your are not believed at all & the argument I had with DAWN WOOD from RAC Complaints Resolutions department was next level. As far as I am concerned RAC & AFCA are a legal SCAM. From this experience I would will be thinking twice about having household insurance again, it definitely shouldn’t be this hard & the complaint took 2+ year to come to a conclusion. They come & removed 1/2 the ceiling in the lounge room & carpet 2+ years ago & still to this day they haven’t repaired it. A copy of my file was sent to me by a staff member of RAC & the things they had in their note was next level disgusting about our house & things that had nothing to do with the claim.

Had suncorp when we insurance in Dalby. Didnt cover anybody because it wasnt a storm that flooded us but the Myall creek Cost heaps of people $$$$$ Show details

I recently had a fantastic experience with TIO We had been with them for 15+ years as landlord insurance customers and moved interstate then sold… Read more

our property. We had somehow neglected to cancel our insurance for some time. When I eventually called to cancel the policy the customer service representative refunded the back dated payment to the sale of the property. I had not expected or requested this. Amazing customer service! I only wish TIO were Australia wide

GIO has destroyed our home and contents. DESTROYED and then tried to trick us - again! Even when they destroy everything and know you are extremely… Read more

vulnerable, they do not care. They wont pay us enough to be able to put ourselves back into pre destruction state. They also refuse to pay for temporary accomodation while the house is unlivable and dangerous despite GIO destroying our property through their negligence and conduct, and then leaving us essentially homeless and without contents.

GIO are part of the Suncorp group which also includes AAMI, Suncorp and Shannons insurance amongst others. Please do your research very carefully if looking to insure with this group. They seem to spend more energy denying and delaying claims than doing what is noted in the PDS.

I cant say this enough times….GIO have destroyed our health, our property and our lives over many years and they do not care.

The Australian public need to be made more aware of how many claims are mishandled and swept under the carpet, how many complaints are made internally with insurers and how many of those are forced to go to AFCA or drop off. How many people just give up because they cant fight or don’t know how to fight an insurer. How many claimants have been tricked by insurers during claims and don't even know it, because they trusted the insurer and the assessors and the often corrupted insurer panel contractors who get most - if not all their work from insurers. The public need to start demanding via MPs a return to a government run home insurer so we have a choice to move away from the misconduct that is enabled within the overly greedy and non transparent private sector. The insurance premiums might also be better with a govt insurer as the annual salary might not be anything like what Suncorp CEO [Name Removed] took home last year - a whopping $6.3 million which includes a $2 million bonus. These types of undeserved salaries and bonuses are why victims of insurance are ABUSED by insurers. They will blame it on weather events and shareholders but who’s tracking the costs for what insurers waste on misconduct to worm their way out of legit claims? No one! WHO is tracking the unethical and criminal panel contractors and their shonky reports and repairs? No one - GIO goes silent when busted. Who is also tracking the health damage insurers cause during their claims misconduct? No one! Im aware of numerous people left homeless, in final stages of life, kids sleeping in tents for extensive periods in all types of weather and CEO’s being fully aware, many with severe mould illness, disabled and elderly people left abandoned, many having mental breakdowns - all because insurers refuse to behave during claims handling. This needs to stop.

We’ve had an extremely frustrating experience with RACQ Home Insurance over our storm-damage claim lodged in December 2024. For 11 months, RACQ has… Read more

consistently failed to communicate. We have spent countless hours on the phone trying in vain to speak with someone who understands our claim, and each time it’s a different person, forcing us to restart the story. Trades and contractors would often ghost us without notice, and when they did eventually attend, they came in the wrong order and were unable to complete their work. In particular RACQ's “make safe” measures for ceiling mould were woefully inadequate, consisting basically of some masking tape over a small triangular piece of tarp which fell down after 2 days, leaving our young children exposed to the health risks of uncontrolled mould for many months. The extensive delays had resulted in much more extensive structural damage to our property due to uncontrolled wood rot/mould and further water damage.

Two formal internal complaints to RACQ resulted in no meaningful action and further gaslighting. RACQ continues to delay to this day, now asking for a third leak detection test with no schedulable date as an excuse not to proceed, and bizarrely claim that irrelevant issues with lower window trims can somehow defy gravity and cause ceiling mould above them. We have had no choice but to escalate the matter to AFCA. We wouldn't wish our experience with RACQ on our worst enemy. Pls avoid RACQ at all costs.

Excellent, Outstanding service – Had an excellent experience with CARTS. We moved from Bunbury to Melbourne and some of our goods were damaged in Transit. I contacted CARTS and was… Read more

given a month to submit my claim. After some clarifications such as a couple of more Photos, replacement costs, and repair costs etc my claim was settled in full. They exceeded my expectations, Thank you Kevin

RAA Trade Assist advertise 24/7 Emergency Roofing repairs but when my roof started leaking through the ceiling neither of the 2 Roofing companys on… Read more

the list could come out for a week! Had to go through RAA Claims dept ( which I didnt want to do) just to arrange a ' Make Safe ' patch up. Now, if the claim is accepted the Builder will take forever to do the repairs ( Busy!) and neither of the Trade Assist Roofing companys will even inspect the roof but only want to see the Builders report. Meanwhile, I have to find somewhere for my disabled husband to stay in case the ceiling collapses.

Excellent – Following the horrific weather that we experienced in Springwood QLD early in 2022, Nthstar Constructions were contracted by our insurance… Read more

underwriters to organize and facilitate repairs to our duplex unit. These repairs were extensive and of major interior works.

The team at Nthstar, in particular Kelly, were very professional, mindful of our situation and prompt in responding to any queries or otherwise we may have had.

Both units in our duplex sustained damage and our neighbor and I wish to thank Kelly and the team at Nthstar Construction for their care, honesty and attention to detail within the scope of works which were carried out by them.

Thank You All, Best Regards, M&J at Rochedale South, 4123.

Beware - do not cover storm damage. Tried to make first claim in over 30 years with Aldi and just been denied cover even though the water damage was… Read more

down internal garage walls, onto beams and water streaming into our garage and on electric sockets. Sent out a plumber to look at our roof damage - then rejected this and said it was up to us to sort out. Policy cancelled immediately. (was dubious taking out cheaper insurance, and we paid the price).

The monthly premiums are easy. The premium is such a good price. Half my previous house insurance. My claim for garage ceiling after waterstorm in… Read more

October was treated as urgent and an inspector turned up within hours. A second leak in January was found. The company were so kind & considerate of my needs before $. There inspections found a few faults which I had done asap by my trade. Then the insurance took over. The tradesmen arrived on the right day & time. They were immaculately clean & tidy. My life was considered at every turn. They helped me with computer heiroglyfics that I understood and they helped me by phone answer & complete their forms. They moved furniture & stored my things in a pod. The supervisor arranged everything with me in the loop. The supervisor/s were on the phone at every aspect. Im so impressed. Brilliant amazing & im so greatful. Thank you thank you