Best Home and Contents Insurance

Excellent service. Easy to deal with and my insurance was sorted out quickly.

It was extremely easy to apply for home and contents online. So far, so good

Very happy saved 700 on house insurance going to look at car insurance as well

Anna was exceptional today. She was extremely helpful and gave in depth knowledge of our current policy & a better understanding. I was able to… Read more

secure a reduction on our annual premium. Anna also highlighted another savings on another policy that gave us a refund. Thank you Anna.

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.

Only complaint is I think it is expensive for someone who has had no claims.

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.

Misleading promotional practices and useless customer support. Terrible experience trying to set up a basic home and contents policy online. NRMA… Read more

offered a $200 VISA Gift Card on my initial saved quote, but automatically removed it the day after when I tried to review the quote again to proceed. Support is an absolute joke: live chat was down, the phone representative [Name Removed] couldn't assist and redirected me to an email, the email support [Name Removed] replied saying they don't handle this and told me to call back or use the live chat. Live chat is back online and [Name Removed] can't seem to keep up (wants me to create an account, can't edit the quote, telling me to create a new quote [offer now not showing up on that], stuck in a loop where they still won't honour their own promotion).

Dodgy, deceptive and misleading business conduct that just wastes customer time and should be reported to AFCA/Fair Trading. If this is how they handle simple pre-sale inquiries, I'd hate to see how they handle a claim...

Stay clear away! Extremely poor customer service, claim manager Lachlan constantly sounds like he is overwhelmed and is a chore to talk to customers.… Read more

AAMIs assessor Dane has misquoted clauses in the PDS! I have spoken to my civil lawyer and got legal interpretation of the clause, suggesting that AAMI is incorrect. They simply scratch for reasons to deny your claim. I will be challenging AAMI through legal and independent review channels.

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 have been a long-term Suncorp customer and have purchased multiple landlord insurance policies with Suncorp over many years. I have always paid my… Read more

premiums and rarely made claims. However, after recently making claims and experiencing how Suncorp handled them, I am extremely disappointed and have completely lost confidence in this product.

The first issue I experienced involved a shower leak at my property. The tenant did not notify me or my property manager about the issue. Instead, the tenant attempted to repair it without my knowledge or approval, which resulted in further damage. I had no opportunity to identify the problem early or arrange a proper repair.

Despite this, Suncorp advised that the damage was excluded under the policy and declined the claim. This was extremely frustrating because this is exactly the type of unexpected situation landlords purchase insurance to protect against. If a tenant’s actions result in damage becoming worse without the landlord even knowing, it is very disappointing to find that the insurance does not provide support.

The second issue involved a tenant who stopped paying rent and left the property during a fixed-term lease. My property manager acted quickly to find a replacement tenant and minimise the loss. However, because the rental loss period was less than four weeks, Suncorp advised that the rent loss was not covered.

I was extremely surprised by this limitation. As a landlord, rental loss after a tenant leaves is one of the main reasons for purchasing landlord insurance. If a professional property manager does their job well and reduces the loss period, it should not result in the landlord receiving no support at all.

I was also advised that rubbish left behind by the tenant and cleaning costs were not covered. These costs can be significant, and the landlord bond is often not enough to fully cover rubbish removal, professional cleaning and restoring the property.

After paying thousands of dollars in annual premiums, I have to ask: what exactly am I paying for?

What concerns me the most is that these important limitations are not clearly highlighted when customers purchase the policy. These are not minor details — they directly affect whether a landlord receives any benefit when something goes wrong.

Instead, customers are expected to find these restrictions buried inside lengthy PDF documents and Product Disclosure Statements. Suncorp’s response was that “the information is in the PDS” and customers should read it themselves. However, important exclusions and limitations should be clearly presented at the point of purchase so customers can make an informed decision about whether the product is suitable for them.

I also recently tried to cancel another Suncorp insurance policy shortly after discovering these issues, just a few days after the cooling-off period ended. I was disappointed that Suncorp still charged a significant amount of premium and treated this as simply the customer’s responsibility.

In my view, if a product contains important limitations that are not clearly communicated upfront, the responsibility should not simply be pushed back onto the customer. Customers deserve transparency and clear information before committing to an insurance product.

After many years as a loyal Suncorp customer, I no longer trust Suncorp Landlord Insurance and will be moving my policies elsewhere.

Based on my personal experience, I would not recommend Suncorp Landlord Insurance to other landlords.

"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"

I had very negative experiences with the RACQ home insurance company. The 2nd balcony ceiling was damaged by the cyclone in March 2025. I made a… Read more

claim with the RACQ over the phone. The building company's contractor was sent for an inspection by the RACQ. According to the report, the cyclone was the cause of the damage.

A couple of weeks later, the RACQ sent an Engineer to inspect the balcony ceiling. The report only mentioned the cracks of the walls but has not mentioned about the balcony ceiling damaged by the cyclone, according to the report.

After a few months, the RACQ rejected my claim and accepted the engineer's assessment. I filed an internal complaint with the RACQ, and the same outcome occurred: the complaint was rejected.

I then filed a complaint with the AFCA along with all the supporting documentation.

Many months later, the balcony ceiling started to fall apart as pieces came out of the cavity while I was waiting for the AFCA's decision.

It was taking nearly 9 months to receive the result from the AFCA. Finally, the RACQ accepted the claim that I had complained through the AFCA because I had enough evidence, which was difficult for the RACQ to get away with.

The RACQ is glad to receive your money each month, but when a customer makes a claim, they would prefer to save their money than accept it.

I have cancelled the home insurance policy with the RACQ to a different home insurance company.

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

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