Best Home and Contents Insurance

Great knowledgable customer support staff. It was very easy to navigate doing a quote. I have been with Seniors Home & Contents insurance for the last 2 years.

Easy to use online system and a very competitive premium

Did an online quote with Budget Direct home and contents insurance an found that making a mistake in my address ( a few houses out) meant at least… Read more

$600 difference in the final quote even though the building replacement cost and contents cost were identical and construction materials were identical. On approaching the Budget Direct sales team they said the “ risk assessment “ was the reason! Really within 200 metres distance house to house!

Wayde was very helpful, asked the probing, right questions. As a result, I landed a great deal on insurance. Thank you.

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.

Easy to adjust my cover to suit me and like the discount paying yearly instead of monthly.

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.

As mentioned in media regarding insurance increases advising to call and see if can help reducing the premium. As with my car insurance got a reduction of approx $40. It’s a shame we have to go cap in hand to get a reduction.

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.

** Overpriced Insurance!!** We have been with Alliance for 20 years (mainly because they are linked to our Credit Union) and have been paying $4,500… Read more

a year for Home and Contents. I believe we have made two minor claims in those years. This year the renewal came in with a $700 increase! Of course, we rang them and asked them why, they explained due to the fires and floods in the Eastern States. I reiterated that the property was insured in South Australia and these unfortunate evens shouldn't impact on us. I asked them to do better. The agent left me on the phone saying he was going to speak to his manager. In the meantime, whilst on the phone for 45mins, I was searching on the Web for other quotes from various Insurers. When the agent came back onto the phone, he apologised and told me the cheapest they could do was to take $400 off the yearly cost. I let him know (and to pass the information back to his supervisor), that whilst we had been on the phone I found three well-known Insurers who were half the price of their Policy and we had increased the value of our property, effectively doubling what they were insuring us for. I told him to cancel our policy at the end of the month, and we went with one of the other Insurers. You can do better people, just shop around! Cheers

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.

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.

I had an initial grievance with NRMA due to a claim that was submitted. I have since spoken to two separate people who were very professional in the… Read more

way they communicated and dealt with me. They understood the concerns I had with my child and his additional needs. The NRMA employees were very knowledgeable regarding the policy and potential safety issue that I had, although my claim didn't meet the policy they have been supportive around the safety side of things, and have looked into this further.

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.

Terrible customer service. They increase the renewal price nearly 30% even though you never make a claim with them and they cannot justify the big price increase. Treat existing customer without care.

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.

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!

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.

If I could give RAA Insurance zero stars, I would. Our floor leak was approved more than 9 months ago, yet RAA has still failed to organise trades… Read more

to even get the repair work started. Nine months of waiting for an approved claim to be actioned is completely unacceptable.

What makes this even worse is that this isn't simply an inconvenience or cosmetic issue. The floor has literally tented up at approximately 90 degrees in the middle of a high-traffic passageway near the kitchen, creating an obvious and serious trip hazard. There is a small baby in the house, yet RAA has shown no meaningful urgency whatsoever in dealing with the safety risk.

There has been no proper attempt to make the floor safe, no effective interim solution, and no apparent accountability for why an approved claim has been allowed to drag on for over nine months.

The complaints process has been just as disgraceful. We raised specific safety and service concerns, only to receive a generic response that failed to address the issues we actually raised. When we attempted to pursue the matter further, there was an apparent reluctance to engage.

This is not what anyone reasonably expects when paying insurance premiums and making a legitimate claim. RAA has taken our money, approved the claim, and then seemingly left us to deal with a dangerous floor while they do nothing.

The lack of urgency, communication, accountability and basic customer care has been appalling.

An approved claim sitting unresolved for more than nine months, despite a significant and obvious trip hazard in the home, is simply unacceptable.

I would strongly question choosing RAA for home insurance if this is how they treat customers when something actually goes wrong. We needed an insurer to take ownership and fix the problem. Instead, we have had to repeatedly chase them while the hazard remains in our home.

RAA: Organise the trades, make the property safe and take responsibility. This level of inaction is completely unacceptable.

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