Best Home and Contents Insurance

I only joined yesterday. I saved a massive $500!!! My last insurer kept bumping up the premiums by hundreds and I got sick of it. Thanks for looking after us seniors!!

very professional and understandings business and good value for money

I would give zero stars if I could. After being a customer for a year I received my first renewal with budget direct which had a small increase of… Read more

25%....... No claims had been made, no changes to the policy, just a 25% increase for no apparent reason. Using their chatbot to review my policy and see why the massive increase in my premium, only to get an AI chat bot that made continuous mistakes, constant misunderstanding's and after making changes to the policy INCREASED MY PREMIUM BY ANOTHER $200.

By far the worst customer service I have ever received, to the extent I have cancelled my policy and gone with a more expensive insurer just so I don't have to endure the incompetence and disregard of this company.

I phoned Youi to alter my home and contacts insurance before renewing. The staff were friendly, helpful, polite and competent. Excellent service.

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!

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.

I contacted Allianz to obtain a quote for home and contents insurance. The representative, [Name Removed], spent a considerable amount of time… Read more

gathering detailed information and advised that the quote would be emailed to me after our conversation.

Three days later, I had still not received anything, so I followed up. To my disappointment, I was informed that there was no pending quote in the system and that I would need to provide all my details again if I wanted a quote.

The most frustrating part was the amount of time spent on the initial call, only to find out that no quote had been processed. I had even provided positive feedback in the survey based on the service during the call, but unfortunately the promised quote never arrived.

We were only first notified of our renewal on 7/7/26. This was 3 days after it was due. Haven't received hard copy in the post at all, fortunately managed eventually to retrieve it from my computer. Not up to your usual high standards

Simple, digital-first insurance with room to grow. After managing my home insurance with Everyday Insurance for the past year, I’ve found them to be… Read more

a solid choice for anyone who prioritizes simplicity and value over a 'high-touch' concierge experience.

What I love:

The Digital Experience: The online portal is arguably one of the best in the market. It’s clean, intuitive, and—most importantly—it works. I can access my Certificate of Currency or update my details in seconds without needing to navigate through endless menus.

Pricing: You’re paying for a streamlined product, and the premiums reflect that. It’s competitive, and I appreciate that I’m not paying for features or services I don't use.

Transparency: The Product Disclosure Statement (PDS) is refreshingly clear. I didn't feel like I needed a law degree to understand what I was and wasn't covered for, which builds immediate trust.

Where it could be better:

Support Accessibility: While the self-service tools are great, the few times I’ve needed to speak to a human, the wait times were a bit frustrating. If they can bring that human support speed up to match their digital speed, it would be a perfect service.

App Features: The mobile experience is currently just a window into the website. I’d love to see more 'active' features, like a digital inventory tool or a faster way to initiate a claim via the camera.

The Verdict: If you are tech-savvy, organized, and prefer to manage your policy on your own terms, Everyday Insurance is an excellent, no-fuss option. It’s reliable, transparent, and gets the job done without any unnecessary friction. I’d happily recommend it to anyone looking for a modern, straightforward approach to home protection.

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.

If I could give Zero star I will. After 48 years with NRMA, it is time to exit. Reason: I never come across a company that NOT issue a reciept after… Read more

payment. Paid Home Contents via BPay, never recieved a Reciept. It advertised as a "HELP" company - NOT true.

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.

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.

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.

A delay of only a few days in payment results in disproportionately high penalties, and it appears that RAC anticipates these lapses to increase… Read more

premiums immediately. For a brief lapse, customers are charged an additional $400–$500 for the exact same insurance policy.

RAC promotes “loyalty discounts”, yet these seem to apply mainly to purchases from their business partners rather than offering meaningful reductions on the insurance premium itself. This creates a misleading impression of customer reward and does not reflect genuine loyalty-based pricing

I had been a Suncorp home insurance customer for two years, during which my premium increased by more than 120%. I wasn't expecting them to… Read more

necessarily match competitors, but I did expect a clear explanation of why my premium had increased so significantly.

Over several weeks, I repeatedly asked policy-specific questions and requested information that would help me make an informed decision before my renewal date. Suncorp advised they would conduct a "policy health check" to review my cover and explore my options, but I never received an update. Instead, I had to follow up myself just days before my policy was due to renew, only to receive more generic responses that still didn't answer my questions.

By the time Suncorp finally provided the personalised explanation I had been asking for, my renewal date had already passed and I had already arranged cover with another insurer. Ironically, it was only after I advised that I was cancelling my policy that I received prompt, detailed responses and had a complaint lodged on my behalf.

My frustration isn't just with the premium increase, it’s with the customer service. If the level of attention I received after cancelling had been provided when I first asked for help, I may have been able to make a properly informed decision before my renewal date. Instead, the response came too late.

It has now been six weeks since I first contacted Suncorp and nearly a week since I requested cancellation of my policy, yet I still haven't received confirmation that my cancellation has been processed. Overall, the experience has left me with very little confidence in Suncorp's customer service.

Worst fraudulent and deceitful insurance agency and Summerset Home Repairs. I have a physical disability and reply on employing people to do it my… Read more

gutters which were first blamed for a roof leak. Then cranked tiles near the solar and now leaves under the solar tiles. After receiving this yesterday, I went out with my iPhone 14 and was able to capture absolute clear areas under the solar panels and noticed the area with the leak is no where near the solar panels nor gutters. It is to the left and absolute steeple of the roof where the assessed have failed to even mention in their reports. Informing authorities of deceit and of those most vulnerable too, or on purpose in targeting most vulnerable.

I am still awaiting finalization of my Scope of Works after 7 months. RACQ even sent me an apology letter 6 weeks ago stating that they apologise and… Read more

will immediately action it and waive the excess. I have not had any correspondence from them since. I email every week to no avail. ABSOLUTELY DISGRACEFUL BEHAVIOUR even though RACQ promotes itself as family orientated.

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.

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

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.

Shack was flooded on the Murray but only 2 rooms affected. RAA sent an appraiser fairly quickly but then silence for months. My calls were initially… Read more

ignored and then after 6 months they said the appraiser had quit and they would have to do it again. Once done they offered me $17K to do the repairs myself which I declined as I had been unable to get any of the necessary tradies on site (they told they were too busy doing insurance work). They provided an electrician to re-connect once SAPN allowed it as SAPN had disconnected the entire street as a precaution but then nothing for a year and I did most of the repairs myself. When they finally did turn up, the tradies told me we were their last job for the area.

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