Best Home and Contents Insurance

Excellent service from the Lady, highly recommend Australian Seniors Insurance.

It gave a competitive rate and easy application. QBE also covered the amount I was looking for my new home.

Very professional to deal with price was the cheapest of all

Krystal provided exceptional customer service today, and listened to our needs

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 had a tricky legal insurance issue. I expected difficulty and blocking from the call center. Instead, Brandon rose to the occasion, contacted… Read more

managers, understood the legal issues and actually called me back!! Super impressed with Brandon’s service. I will definitely be using ahm insurance again. Happy customer :)

The staff helped me to carry out a review of the policy in every detail. Very patient and helpful. Thx.

Friendly and thorough review of my insurance leading to substantial savings. Policy is definitely good value. Easy process (over the phone). Been with Youi for several years.

Unable to talk to any real person. Forces you to talk to an AI chatbot. Phone numbers are hidden and staff are unhelpful. Large increases in premium after one year.

After 7 months I am still awaiting a complete Scope of Works. I even received a letter of apology from RACQ their umbrella company reassuring me that… Read more

they will action the claim immediately but that was six weeks ago! I email on a weekly basis and do not receive a reply. ABSOLUTELY DISGUSTING BEHAVIOUR.

Worse insurance company I have ever dealt with They are thieves and never pay you out I would stay away

Heartless company. I rang to say my husband was in palliative care because he was dying and as I would be moving and the contents would be moved I… Read more

asked to cancel the policy. As the policy was only in my husband's name they said I couldn't. Now looking at the bank account I found they have debited the premium. I have contacted the bank and I can dispute the transaction. I will also contact AFCA to tell them what was done.

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.

Hiking up insurance premiums, Mine has doubled since last year with no claims made, no damages to my home and no disasters or bad storms anywhere… Read more

near me. i tried a new anonymous quote for the same house and it was over $6000!!!. Supposed to be for older people no longer working full time but not friendly to older people at all. other companies gave much lower quotes. They are pricing themselves out of the market and just ripping older pople off by claiming to be FOR over 55's.

We have held home building insurance with NRMA since 2022, when we bought our first house, and had never made a claim. In March 2026, water entered… Read more

our lower-level living room during a storm. Our own licensed plumber found a broken stormwater pipe and repaired it, and we lodged our first ever claim. We expected the process to be fair and thorough. It wasn't. It turned into a nightmare.

When the assessors attended our property, we were told on site that both the carpet and the skirting had been affected by the water. The written report we later received reached the opposite conclusion on the skirting, even though the assessor's own photographs of it are captioned "Affected Skirting". We did not record those conversations, because we never anticipated a difference of this kind.

What was even worse: when we first contacted NRMA, staff told us our excess was $1,600. When we received the assessor's report, it recorded an excess of $5,000. We lodged this claim on NRMA's advice. Had we been told from the start that the excess was $5,000, we would never have lodged it, because the repairs would likely cost less than that. We have asked NRMA in writing to explain the difference and still have no answer.

After years of paying for peace of mind, we have been left worse off than if we had never held this policy at all. We trusted NRMA to deal with us fairly and in good faith, and we do not feel that has happened. That is not the standard of service we expected, and we are deeply disappointed.

We have decided to switch to another insurer, as we never want to go through this again.

Its not often I get to report about a good experience with an Insurance Company but I really couldn't fault my recent experience with AAMI after a… Read more

collapsed ceiling due to a burst ceiling water pipe in one of our bedrooms. From the moment I contacted AAMI to make a claim and complete the repairs I felt as though I was being looked after by AAMI. They used a third party contractor to facilitate the works from start to finish. The whole process took around a month to complete and I couldn't fault the workmanship of the repairs. Also, AAMI had people on the same day the ceiling collapsed out at our property to clean up the mess and remove all the debris. Well done AAMI!

CGU are absolute wonderful, I had top make a claim for my contents, when I had a house fire here, and the whole process of making the claim, was easy… Read more

and not stressful and the staff were great. I had my insurance with them over 20 years, I got quotes from a couple of other places that were $600 to $1700 more, and so I have stayed with them even after the fire. I was paid out around 1 to 2 weeks.

After a weekend away, I came home to water in the lounge room and under the stairs. After I set up a claim with Allianz, Christian from MK3 called.… Read more

Upon inspection, he acted swiftly to prevent further damage. I'm still having my home repaired, but Christian has been fantastic throughout. I cannot fault MK3.

After being insured with Cole’s for around 5yrs, I had to put in a claim for a burst water tap that flooded half my house. Dealing with Cole’s… Read more

insurance (auto and general insurance) was easy. They were very fast in actioning the emergency drying repairs and was all done within days. The only issue was that Cole’s organised a company called Insurebuild to organise quotes and repairs. Once everything was approved by Coles, Insurebuild tried to get me to sign a contract listing the works they said were approved by Cole’s. I refused to sign it because half the repairs that were approved by Coles were not listed on insurebuilds contract (Cole’s had sent me the scope of approved works so I knew what was supposed to be on insurebuilds scope of works). After waiting ages for them to sort it out, I gave up in the end and asked Cole’s to give me a cash payout and I organised my own local tradies. Coles organised the cash payout within days. I now have tradies all ready to start over the next couple of weeks. To sum it all up Cole’s were a breeze to deal with, but they should stop using Insurebuild as they are very unprofessional. This type if company reflects badly on Cole’s.

Instead of getting a renewal like a normal company, Suncorp made with me ring them to renew my policy to confirm that I have made repairs from our… Read more

one and only claim in the last 10 years. Then they increased our policy even more after I asked for a reduction because our we have a carport for 2 cars that we don't even use!!!!!! 20 years of loyalty and the policy went up over the phone $1000 because of carport? WHAT THE????? So much for loyalty. We had 70 000 of Crimsafe put on our house and did that make a difference to our premium NOT ONE BIT!!!!! Neither did 10 000 of security cameras. FIND SOMEONE ELSE!!!!!! This makes me so sick! NOT GOOD VALUE. Have been with them for over 20 years. Completely and utterly insulted.

DO NOT GO WITH RAC IF YOU VALUE YOUR CONTENTS. They have been an absolute nightmare, not only do they have terrible customer service they will do… Read more

anything and everything to get out of paying a claim. It is all money down the drain. I hope this review saves as many people as possible to avoid being in the same situtation. I have had family in a similar situation have the best experience with NRMA.

"Unemployed pensioner, 38 years of loyal history, forced to call every single year just to stop them price-gouging me, saved over $500 instantly by switching to RACV"

The worst insurance company in Australia! We have been with them for 20 plus years. They are happy to take your money but when you put a genuine claim, they will find all sort of excuses to define it or drag it out. Don’ t deal with RACQ!

Our TV was damaged, we rang RAA, spoke to Petina, she was amazing talked us through the process, explained everything and by end of day claim… Read more

processed and new TV being delivered in 2 days. We can’t fault Petinas customer service skills, she made the process very easy.

Was contacted end of March that I had money owed from TIO from an old cheque from 2021 that had gone to my old address. Rang and gave bank details… Read more

the very next day. The issue has taken many phone calls and an official complaint but I finally got my money today, almost 3 months later. I put this down mainly to the initial staff member (who I checked in with multiple times) taking no action other than "I've emailed unclaimed moneys again". Neither he nor 'unclaimed money' department followed up with me in any way.

Later TIO staff I spoke to were helpful and the complaints person from Allianz was friendly. That said I'm a bit miffed that the Allianz compliant staff member said the long delay was due to me giving the wrong address. This could be addressed in minutes, months ago, by letting me know they needed my old address, rather than my current one. Pretty basic stuff given that I had already told them that the cheque had been lost due to it being sent to my old address where I lived in the Territory.

Apologies to the the staff that were friendly for the 1 star I but didn't get any indication that there would be any changes on their end going forward to avoid this happening again to other customers.

We held this insurance for years. We never made a claim but even though St George Bank itself has excellent customer service we found the customer… Read more

service for their Home and contents insurance to be very poor - long phone wait times, poor staff communication skills (cheap offshore customer service employed) and customer service wasnt accurate / didnt meet our expectations or needs. One of the main problems was that we were unable to pay extra to change our deduction date 3 days forward "its not possible". We decided to go straight to Allianz and saved over $80 per month with better insurance and customer support (e.g home build cost $100k higher etc). More importantly, Allianz has a portal that you can log onto - no more 40 - 90 minute phone call if you miss a payment.

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

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.

Great value for money – I've been with this company since 2011, so only 2 years so far. I first heard about them by doing research on canstar and they were recommended and… Read more

had MUCH lower premiums than other companies. My first premium for both home AND contents was under $400!! How they do that, I'm not sure so I was a bit unsure at first and read the policy very carefully. It looks ok to me in comparison to others and for the cover we need. Each year I've done another evaluation and they still come out on top. It sounds like the other reviewers on this site who actually have cover with Australian Unity (Calliden) have good experiences with claims as well, so hopefully if that time comes for me I will be equally satisfied. I did have a very long phone conversation yesterday to discuss the policy in detail and was extremely impressed by the Calliden representative. She was very friendly, well informed and never made me feel rushed.

The only company that was close to comparison in price was Cominsure (now the top canstar company) but they have very bad customer reviews. The only downside I can see so far is that they only have 1 excess for home and contents (so can't be less for contents)- but on the good side, you only pay the one excess even if your claim involves both. Now I'm just trying to get the most accurate estimate of building, demolition and architect costs so I can be sure we have the right amount of cover. Value for money, inexpensive, good customer service Only 1 excess for both home and contents