Best Home and Contents Insurance in Australian Capital Territory Canberra–Queanbeyan

Very happy with the price for my Home & Contents Insurance. Show details

Your website is very easy to negotiate and understand making for an easy decision to purchase. The reasonable quote when compared to other insurers including my current one also made the decision a breeze. Show details

I recently had a claim denied by Budget Direct, and my experience has been extremely disappointing. It felt as though their first instinct when a… Read more

claim is lodged is to look for reasons to deny it, rather than genuinely assess and support customers through the claims process.

The company appears to invest heavily in marketing, advertising, and paid endorsements, including recognition from organisations such as Canstar, which can create an impression of customer value and reliability that does not align with my claims experience.

Insurance is ultimately tested when you need to make a claim, and unfortunately this is where my experience with Budget Direct fell well short of expectations.

Well I think YouI are a pretty good insurer. But my home and contents policy renewal was an increase of 19% this year. I rang up to complain and… Read more

they reduced the increase to 12%. No changes, just had to ask. So what's the story? If you don't want to be ripped off you need to ring up and ask please don't rip me off??!!

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 process to transfer from one property to another. thank you! 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

Worst insurance for your home. I have a cover with honey insurance for more than 4 year now and for my 1st ever claim I am so disappointed. I… Read more

recently had an accident and damaged my garage door. honey insurance send someone from MK3 builders (another trash company) to do the inspection and create a report. Now its been more than a month and I cant use my garage door and no one has contacted us ever since then. I have been able to contact the company only a couple of times because of the poor connectivity. No email reply you cant call them nothing. I will not recommend Honey insurance even to an enemy.

• I have lost 4 rings. I put a claim in on the 29th of April 2026 • May 1st received an email stating how I wanted to settle the claim. • After… Read more

waiting 40 minutes on the phone I spoke with Texas who stated my attachments hadn’t been received. • At this time, I advised him I would like the money rather than a rebuild. • 5th May Called waited another 40mins to check on the progress of my claim. The person contacted the team leader and told me I needed to get another quote from jewellers. • After I said, “I thought Allianz was getting their valuator to check the details”. He advised me he would need to contact the Team Leader and said he would let me know by the end of the day. He did let me know but also advised me it could take 2-3 weeks. • Then on the 7th May I received a repeated email about how I wanted to settle my claim. • I called again waited 40 minutes was fortunate to get Texas again. He needed to check with another person what was happening with my claim Unfortunately, no one could help him. The only thing I could do was wait for a return call • 8th May 2.16pm no answer thus far • It is stressful enough losing my engagement, wedding, eternity and my remodelled deceased Mothers ring let alone dealing with the insurance. • Monday 11th May:2nd complaint made Reference Id-WKD61JZG • Thursday 14th May Advised after I was investigated that Allianz would honour payment, but it needs to go to the supervisor • Monday 18th May not a word. 3rd complaint made

I have both home and car insurance with Everyday. It seems to be one of the cheapest providers. I have not made a claim so can’t comment on how they… Read more

deal with these. Web site is average and digital assistant very little assistance. Long wait to speak to a human.

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.

Vicky was fantastic. Very helpful and she knows her job. Show details

A word of advice to all those people who have Home and Contents renewals coming up. Make sure you have a good look at the premiums and don’t just let… Read more

it roll over especially if you have it on a direct debit. We got the renewal for our home last night and the yearly premium has gone up by $609 (no claims). We have been with APIA for many years but will absolutely be doing some serious investigation before the renewal date.

Attempted to change the mortgage finance company on my home insurance policy as part of a mortgage refinance. NRMA flat out absolutely refused to… Read more

change the policy to list a different bank. Even once I explained that I would have to cancel my home insurance policy and 2 other policies I hold with NRMA if they couldn't change this detail, they till refused. Very strange behaviour. My mortgage broker and my new bank both agree they've never encountered an insurance company unwilling to accommodate a change in mortgagee policy before.

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.

Coles Home Insurance is hands down the worst insurer I’ve ever dealt with. They lie, delay, and dodge responsibility at every step. I’ve been waiting… Read more

endlessly for my claim to be resolved, and every time I ask for updates, I get excuses, false information, or silence.

They will do anything they can to avoid paying — twisting reports, ignoring evidence, and even sending out the wrong or unqualified contractors who make things worse instead of fixing them. Their behaviour is completely unacceptable for a company claiming to provide “protection.”

I’ve now had to take the matter to AFCA because Coles refuses to do the right thing. Their treatment of customers is shameful, and their lack of integrity is beyond belief.

If you value honesty, professionalism, and peace of mind — stay as far away from Coles Home Insurance as possible. They are a total nightmare.

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.

I wish to write this post to warn others about this dodgy company. Everytime they called I was told something different. They took many months to… Read more

sort our roof, they sent around 7 people to measure my property and cannot follow simple instructions for example please phone me as I need to lock the dogs up so they can measure the back shed these instructions were relayed may times via messages phone calls And emails and still not able to follow. They then subcontract the work out to others who are also incompetent and after all people who came to measure the roof 9 in total they still were unable to get it right and had to order more material. Didn’t come back to clean up their mess. The whole Process was appalling.

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.

Joined Suncorp Insurance in end of May 2024 for both vehicle insurance and home insurance. Now after only 2 years, it is proposing to increase my… Read more

premiums by 40% and 70% (compared with premiums for last year) for the upcoming renewals in end of May 2026. I have good insurance history, with Suncorp Insurance and all my previous insurance providers, for more than 30 years. My last vehicle insurance claim was in the 2000s - total loss due to sudden torrential rain and flash flood on the street where I had parked my vehicle, and that was all. I have never claimed on home insurance. Even after the vehicle total loss, I had never had my premiums raised by that much, as Suncorp is going to, for many, many years. Only after having been with Suncorp Insurance for 2 years, I am already being treated as a customer being too loyal, and I am being robbed. Even worse, Suncorp Insurancr is so arrogant that it has not responded to my email complaint/protest about their greed. It is businesses like Suncorp Insurance that cause the inflation problem in Australia and the resultant non-stop interest rates rises by the Reserve Bank, that in turn cause so much pain to all Australians!

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

Couldnt even get into the quote properly! Tried for 3 dys to get car and home insurance quotes but app kept crashing - tried to call but only avail… Read more

9-5 weekdays. Total cr#p. Made email enquiry/ complaint and it took them 3 working days to respond only to tell me to call. I gave up. If its that hard to just get a quote what theheck would making a claim be like. No thanks

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.

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

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