Cost of repairing or replacing your damaged or destroyed house, garden, garden shed, fences and other structures on your property.
Cost of repairing or replacing (new for old) your lost or damaged contents.
Temporary accommodation for your family and pets if your lost or damaged house and/or contents make your home unfit to live in.||
Your legal liability for someone else’s death or bodily injury or for loss or damage to someone else’s property caused by an accident at the insured address (home insurance) or anywhere in Australia (contents insurance).
Budget Direct Home and Contents Insurance covers your property against loss or damage caused by the following insured events:
- Impact at home (e.g. fallen tree)
- Breakage of glass, ceramic and sanitary fixtures
- Malicious damage, vandalism, riot or civil commotion
- Earthquake or tsunami
Upgrade your cover
For an additional premium, you can customise your Home and Contents Insurance by adding one or more of the following optional covers to your policy:
How do I add an optional cover to my policy?
How much cover do I need?
It’s up to you to determine how much it would cost to replace your home and contents if they were totally destroyed, for example, by fire – the ‘sums insured’.
These are the maximum amounts we’ll pay, so it’s important you’re comfortable the sums insured you nominate are sufficient to replace your entire home and all of your contents at today’s prices.
Compare home insurance savings
In comparison to their previous insurers’ premiums, customers across Australia who switched to Budget Direct Home and Contents Insurance told us they saved an average of
Use our Comparitron™ tool to compare home insurance savings reported by our customers.
Get a quote online and save 30%
Getting a Budget Direct Home and Contents Insurance quote is quick and easy.
Get a quote and buy a combined home and contents policy online and we’ll reduce your premium by 30%; or call us on 1800 288 149.
Find out more
The information on this page is a summary only. For more details about Budget Direct Home and Contents Insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement (PDS).
How to make a claim
Award-winning Australian home insurance
After comparing the cost and features of 135 policies offered by 52 insurers, Canstar presented us with one of only three national awards for Outstanding Value Home & Contents Insurance in 2019.
We've also won Money magazine's Best of the Best title for Home & Contents Insurance three years running (2017–19); and a Mozo Experts Choice 2019 award for Exceptional Value Home & Contents Insurance.
To cap it off, the Australian public voted us the Gold Winner in the Home & Contents Insurance category of the 2019 Reader's Digest Quality Service Awards survey.
Frequently asked questions
What’s covered under a ‘home’ policy?
Among other things, a home policy covers:
- your residential building, including garages
- other structures like your garden shed and fences
- domestic fixtures – items permanently attached to your home or buildings (e.g. built-in wardrobes, air conditioner, kitchen cupboards, dishwasher, fixed floor coverings (except carpets), awnings, in-ground swimming pool)
- permanent structural improvements (e.g. a home extension).
You are covered for these things up to the amount of your home sum insured.
What’s covered under a ‘home contents’ policy?
Among other things, a home contents policy covers:
- furniture and furnishings
- computers and electrical appliances
- clothing and shoes
- personal effects like jewellery, sunglasses and cameras (if you want your portable items to be insured when you take them with you away from your home, you’ll need to get extra Personal Effects Cover).
- fitted carpets and rugs
- internal blinds, curtains and window coverings.
You are covered for these things up to the amount of your home contents sum insured.
If I make a claim for loss or damage to my home and contents, will I have to pay two excesses?
No – you’ll be required to pay only the higher of the two Basic excesses you have selected.
Will my home repairs be guaranteed?
Yes – we guarantee the quality of authorised repairs, including the workmanship and materials.
Do I need to list, or specify, contents on my policy?
It’s up to you to decide whether to list the following on your policy:
- contents you want to insure for more than our benefit limit (where applicable)
- portable items you want covered when you take them with you away from your home.
Home Insurance Knowledge Base
Your questions about insurance all
answered in one place.
^Online discount applies to new policies only. Terms and conditions apply.
*Based on customers who have made a claim on Budget Direct Home & Contents Insurance, and who were surveyed between 10 February 2015 and 31 May 2019. Visit www.budgetdirectreviews.com.au for more details.
||Benefit capped at 10% of sum insured. Terms and conditions apply.
§ The addition of Flood Cover to a policy is subject to our underwriting criteria.