Compare Home Insurance Quotes

Find the best buildings and contents insurance for your home. Compare quotes from top insurers and get covered at the right price in minutes.

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What home insurance really covers

Home insurance protects arguably your most valuable asset, but not all policies are equal. Buildings insurance covers the physical structure — walls, roof, floors, and permanent fixtures — against damage from fire, flooding, subsidence, and storms. Contents insurance protects your belongings inside the home. The right choice depends on whether you own or rent, the rebuild value of the property, and the total value of your possessions. Comparing policies lets you find the ideal combination at a price that makes sense.

Buildings vs contents — know the difference: Buildings cover pays to repair or rebuild the structure of your home. Contents cover protects furniture, electronics, jewellery, and clothing. A combined policy typically offers the best value for homeowners.
Replacement value vs indemnity: Replacement-value policies pay to replace items at today's prices. Indemnity policies apply wear-and-tear deductions. Always check which basis your policy uses — the difference can be significant at claim time.
Flood, fire, and subsidence cover: Standard home policies cover fire and storm, but flood and subsidence cover can vary significantly between insurers. If your property is in a flood-risk zone, compare specialist policies that include these perils.

Buildings & Contents

Compare buildings-only, contents-only, or combined policies. Find the right level of cover for your property type, ownership status, and the total value of your possessions.

Accidental Damage Cover

Add accidental damage cover to protect your home and belongings from unexpected incidents — including that red wine on the carpet or a DIY mishap through the wall.

Excellent Claims Support

Our trusted insurers have award-winning claims records and dedicated support teams. We compare claims satisfaction scores alongside price so you're never left in the dark when it matters most.

How to get your home insurance quote

1

Tell us about your property

Enter your property type, number of bedrooms, year built, and construction materials. This information determines the rebuild cost, which is the basis of buildings cover.

2

Estimate your contents value

List the approximate value of your belongings room by room. Use our contents calculator to make sure you're not underinsured — a common and costly mistake.

3

Compare quotes by cover and claims rating

Browse policies from top insurers ranked by price and claims satisfaction. Filter by cover type, excess amount, and optional extras like accidental damage and away-from-home cover.

4

Buy online and get instant confirmation

Select your policy and pay securely online. Your schedule of insurance arrives immediately by email — cover starts from the date you choose.

Top Home Insurance Providers

★ Featured Provider
BU
Best Value

Budget Direct

Award-winning home insurance

4.6(18,500)
From $89/mo/month
  • Buildings & contents cover
  • Accidental damage
  • Storm & flood cover
  • 24/7 claims
★ Featured Provider
HO
Best Value

HomeShield Premium

Award-winning buildings and contents cover

4.7(21,600)
From $85/mo/month
  • Buildings & contents
  • Accidental damage cover
  • Flood & storm protection
  • 24/7 claims team
★ Featured Provider
PR
Most Popular

PropertyProtect

Flexible home insurance with optional extras

4.5(14,300)
From $95/mo/month
  • New for old replacement
  • Home emergency cover
  • Legal expenses included
  • Multi-property discount
SA

SafeHome Cover

Budget home cover with essential protection

4.2(8,700)
From $75/mo/month
  • Contents-only option
  • Theft protection
  • Escape of water cover
  • Flexible excess options

Why compare home insurance with us?

Rebuild cost guidance included

We help you calculate the correct rebuild value for your property — not the market price — so you're never over- or under-insured at claim time.

Flood-risk property specialists

If your home has a flood risk, we surface specialist policies and insurers that provide fair cover — not blanket exclusions — for high-risk postcodes.

Claims satisfaction scores

Every insurer on our panel is rated for claims handling speed and customer satisfaction. A policy is only good if the insurer pays out when you need them to.

Compare add-ons transparently

Home emergency cover, legal expenses, and garden contents add-ons are clearly itemised. Compare the full cost of the cover you actually want.

Renewal reminders save you money

We remind you before your policy auto-renews and compare your renewal quote against the market, so you never overpay by sticking with the same insurer out of habit.

No jargon, no surprises

Our policy summaries translate insurance jargon into plain English. You know exactly what's covered, what's excluded, and what your excess is before you buy.

Home Insurance FAQs

Protect your home for less

Compare home insurance quotes and find the right buildings and contents cover today.

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