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Winner of Money Magazine's Cheapest Home and Contents Insurance 2017 Mozo People's Choice Award 2016
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24/7 Phone & Online Claims

We are on call around the clock, with our 24/7 phone and online claims service. When the unexpected happens we will be there to help. Lodge and process your claim when and how it suits you via our phone and online claims service. Making a claim is quick and easy and we'll help you every step of the way.

Cheaper Prices
By switching to Budget Direct our Home and Contents Customers told us on average they saved
See what this figure is based on

Budget Direct have recently won Money Magazines's Cheapest Home & Contents award for 2017. We're delighted with this win demonstrating that our customers receive the most competitive prices.


We have also been rewarded with the 2016 Mozo People’s Choice Award for our Home Insurance products. Find out more about these awards and other awards we’ve won.

Happy Customers
Happy Customer

Hear from a Happy Customer

Watch the video to hear from one of our customers about her experience claiming for an accident and why she was glad she was with Budget Direct when a pipe in her house burst.
More Reasons

More Reasons We're Simply Smarter

At Budget Direct we work tirelessly to improve the way we provide insurance to our customers. We've combined more than 30 years of innovation from our group around the world with 14 years of homegrown Australian excellence to offer you Simply Smarter Insurance. Here’s an extended list of our simply smarter innovations.

Get More with Budget Direct Home Insurance

Automatic sum-insured adjustment at renewal

Full 24/7 Claims Service - Your choice of phone or online.

A 21-day money back guarantee*

Customers rate our claims service 4.5 out of 5 Stars 4.5 | 996 Reviews°°

Combine Home & Contents Insurance and Save ##%^

Get the peace of mind of having our most comprehensive home insurance cover by combining your home and contents insurance policies. Best of all, when you get a quote and buy Budget Direct Home and Contents Insurance online, you’ll save a massive ##%^ off your premium.

Get a Combined Quote

What's covered?

Our Home and Contents Insurance covers you for the cost to repair, rebuild or replace your home and contents if they are lost, damaged or destroyed by fire, theft and bad weather, among other events.

Home Insurance

Sometimes referred to as “house insurance” or “building insurance” our Home Insurance actually provides cover for more than just your house itself. In fact, we provide cover for:

  • Residential buildings, including garages and outdoor sitting areas
  • Other structures like garden sheds and fences
  • Items permanently attached to the home, including fixed floor coverings, awnings and in-ground swimming pools
  • Permanent structural improvements (e.g. home extensions)

Find out more about what’s covered by Budget Direct Home Building Insurance policies.

Contents Insurance

Budget Direct Contents Insurance covers the items inside your home against loss or damage from a variety of insured events. Covered items include:

  • Furniture, furnishings, carpets and rugs
  • Electrical appliances
  • Blinds, curtains and window coverings
  • Clothing and shoes
  • Personal effects like mobiles, cameras and jewellery inside the home

Find out more about what’s covered by Budget Direct Contents Insurance policies.

Insured Events

Our Home and Contents Insurance policies cover your property and personal effects against loss or damage caused by a number of possible events, including:

  • Storm and rainwater damage
  • Lightning
  • Fire
  • Theft (or attempted theft), provided you report it to the police
  • Malicious damage
  • Escape of liquid (e.g. from batch or sinks)
  • Impact at the home (e.g. a falling branch or tree)
  • Accidental breakage (glass, ceramic and sanitary fixtures)

Standard Benefits**

Some of the policy benefits that come as standard with Budget Direct Home and Contents Insurance are:

  • Legal liability cover up to $20 million
  • Removal of debris and extra costs of rebuilding
  • Credit card cover - up to $1,000
  • Replacement of locks - up to $500
  • Temporary accommodation for up to one year for you and your pets if you can’t live in your home following an insured event
  • Unattached equipment cover up to $500
  • Uninsured guests’ contents cover up to $500

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Home Insurance

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Contents Insurance

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Home & Contents

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Optional Extras

For a higher premium, you can add the following optional extras to your policy to increase your Home and Contents Insurance cover:

  • Flood cover - damage caused by flooding rivers, creeks and other bodies of water
  • Personal effects outside of the home - for items you might ordinarily take with you outside your home (e.g. camera, jewellery); you can specify higher values for these items
  • Accidental damage - standard cover includes accidental damage to glass, ceramic and sanitary fixtures; this option extends your cover to your home and other contents
  • Sum Insured Safeguard - we’ll increase your sum insured by 25% if your nominated sum insured is insufficient to repair or replace your home
  • Motor burnout - for power surges that burn out motors in electrical appliances

Important Information: Please read the Home and Contents Insurance Product Disclosure Statements and Key Facts Sheets for full details of policy inclusions, limits and exclusions.

More Home Insurance Options

Landlord Insurance

Protect your investment property with a home and contents insurance policy that adds cover for theft or malicious damage by tenants as well as making sure you aren’t left out of pocket if your tenants default on rental payments. If you have multiple investment properties that need to be covered you may be able to save even more by taking advantage of our multi-policy discounts.

Renters Insurance

If you’re renting then having insurance isn’t just about covering your own belongings in case something happens, it also means having cover in place for the house and fixtures belonging to your landlord as you’re normally responsible for any damages that occur to those as well. With Budget Direct’s tailored approach to insurance you can choose the options and cover that suits your needs and your budget.

Payment Options

Choose a payment schedule that suits you, with options to pay your insurance premium fortnightly, monthly or once a year, with multiple payment methods available, including Direct Debit, Credit Card and PayPal.

Flexible Premium Excess

Reduce your premiums by choosing a higher excess for your policy, or go for a lower excess by increasing your annual premium.
The choice is yours.

Refer-a-Friend Bonus

When you buy home insurance from Budget Direct you get a Budget Direct Buddy code you can give to your friends. And if they use it to buy a Budget Direct insurance policy, you both get a $50 VISA card.#

How to Make a Claim

If you do ever need to claim on your Budget Direct Home Insurance you can lodge your claim online using our Online Policy Manager at any time, day or night, or you can call our dedicated Home & Contents Insurance Claims Team to have someone help you through the claims process over the phone.
Click here for contact details and more information about making a home insurance claim.

Frequently Asked Questions

How much cover do I need?

We have compiled a list of Home & Contents Insurance Calculators which you can use to to estimate the costs involved in repairing or replacing your home or possessions in case something happens. These may help you to work out the sum insured value you’ll need to nominate for your insurance policy.

Is jewellery covered by contents insurance?

If the jewellery was at home when it was lost, stolen or damaged, then it’s covered for the replacement value.

If you’d like to also cover your jewellery when you’re away from home then you can add optional Personal Effects cover to your policy. Limits and exclusions may apply, so please read the PDS for full details of how Personal Effects cover works.

You can read more of our Home Insurance FAQs here

Buy Online and Save Up To ##%^

Get a quick quote and buy combined Home & Contents Insurance online to get a discount of ##%^ off your premium.

Get a Combined Quote

* If you cancel the policy within 21 days without making a claim, we’ll give you a full refund.
** Conditions apply. See the Product Disclosure Statement for full details.
° Based on Budget Direct customers surveyed since February 10th 2015, see www.budgetdirectreviews.com.au for details.
# Conditions Apply. Excludes household members.
^Online discount Terms & Conditions

°° Based on customers who have made a claim on Budget Direct Home & Contents Insurance, surveyed between February 10th 2015 and February 28th 2017. See www.budgetdirectreviews.com.au for details.