Home & Contents Insurance Comparison Calculator

Compare Australian home and contents insurance quotes side by side, annual premium, excess and what's included.

How to use it: Start with your renewal check, then add each quote: the price and how often you pay, the excess and the cover type. Tick what's included. The calculator shows the yearly cost and what you'd pay in a year if you made one claim, so you can compare price and cover side by side.

Check your renewal first

Your renewal notice shows this year's price. Your old notice or bank statement shows last year's.

Last year's premium ($ a year)

This year's renewal ($ a year)

How to compare home and contents insurance quotes

Home and contents insurance is one of the easiest bills to overpay on, and one of the easiest to be underinsured on. This calculator lets you line up your quotes by annual premium, excess and inclusions, so you can see which policy gives you the cover you need for the best price.

Step 1: Get quotes with the same sum insured

The sum insured is the most the insurer will pay. If one quote is for a lower sum insured, it will usually be cheaper, but it may not be enough to rebuild your home or replace your belongings. Use the same figures on every quote.

Step 2: Enter the price, how often you pay and the excess

Choose yearly, monthly or fortnightly and the calculator works out the yearly cost. A higher excess lowers the premium, so compare quotes with the same excess, or try a few excess levels to see how much you would actually save. Add your building and contents sums insured so you can check every quote uses the same figures.

Step 3: Tick what is included

Check the policy documents for each inclusion. Flood, accidental damage, portable contents away from home and temporary accommodation are common differences between policies.

What to check before you choose

Is your sum insured realistic? Rebuilding costs can be higher than people expect, especially after a natural disaster when builders are in demand. Many insurers have online calculators to help you estimate.
Flood and storm cover. Check whether flood is included or optional, and what the policy says about storm damage.
Accidental damage. Some policies only cover specific events. Accidental damage cover is often an optional extra.
Contents away from home. Phones, laptops and jewellery taken out of the house usually need portable contents cover.
The Key Fact Sheet. Insurers must give you a Key Fact Sheet for home building and contents policies. It is a short summary that makes side-by-side comparison much easier. Read it alongside the Product Disclosure Statement (PDS).
The renewal price. Premiums often rise at renewal. Compare again each year instead of letting it roll over.

Frequently asked questions

Should I combine home and contents insurance?

Combined policies are sometimes cheaper than buying them separately, but not always. Enter a combined quote and two separate quotes into the calculator to check.

What happens if I am underinsured?

If your sum insured is too low, the insurer will only pay up to that amount, even if the real cost to rebuild or replace is higher. That gap comes out of your pocket.

Does this calculator give me quotes?

No. It compares quotes you already have. Nothing you enter is sent to an insurer.

Where can I get independent information about home insurance?

Moneysmart's home insurance guide is a good independent starting point.

Keep going

What to check before switching insurers
Car insurance comparison calculator
Health insurance comparison calculator
Household Bill Tracker spreadsheet: track every renewal date in one place
Household bills checklist: insurance and the other annual bills that are easy to forget