Best Home and Contents Insurance in South Australia Adelaide

Very grateful for the help and understanding from the staff about my new contents policy. The staff were very thorough and nothing was a problem especially when I had to get back to them with the extra information that was required. Show details

I am 75 and the process of getting a quote and setting up the new home and contents insurance policy was a breeze. Tried so many others and the whole process was too confusing. The quote was also reasonable for comprehensive cover. Show details

Price was significantly below our existing insurer. Easy to get set up and well explained. Have no experience of a claim with them. Show details

i was previously with another 4letter insurance company and had been for well over a decade , their premiums kept going up and up and up for just… Read more

house insurance ( no contents) with the next policy due to jump up over 30 a month to being over $314 a month !! i called Youi and i spoke with Mel - she was absolutely fantastic, engaging, empathetic , listened to my needs and kept it simple real and clear with what thewy can do for me - she was also blown away by my savings they could offer me - my new policy with them for house insurance is only $134 a month . a saving of $150 a month on what i had been paying and an even better saving of $180 a month on what it would have gone up to ! thats OVER two grand a year back in my pocket !! thank you Mel and thank you Youi :D

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

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

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. Show details

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.

RACV are the best insurance company that I have ever dealt with. Their premiums are reasonable for the level of cover and they don’t hike them every chance they get. Well, that’s my experience in any case. Show details

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.

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.

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

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.

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

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.

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

As per my previous review Aldi Home and Contents insurance is a huge rip off. They are underwiten by Honey insurance. Was asked to do an update on my… Read more

original review on here so I submitted online for a new quotation for home and contents insurance and they are still well over double the price that I am currently paying for home and contents insurance. Shop around for quotes as they are a huge rip off