Customers rate our Home & Contents Insurance claims service

4.4 out of 5 Stars
4.4 out of 5 Stars

4.4 | 1,505 Reviews*

What’s covered?

Home building

Cost of repairing or replacing your damaged or destroyed home building.

Home contents

Cost of repairing or replacing (new for old) your lost or damaged contents.

Temporary accommodation

Temporary accommodation for your family and pets if your lost or damaged building 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 (building cover) or anywhere in Australia (contents cover).

Debris removal and extra rebuilding costs

Removal of debris and extra rebuilding costs, including demolition, professional (e.g. architect, surveyor) and building-application fees, and storage of undamaged contents.


Replacement of locks if your keys are stolen, up to $500.

Contents in open air

Contents lost or damaged in the open air at the insured address due to an insured event.

Loss of rent

Loss of net rental income for the period your damaged investment property is uninhabitable.

Mortgage discharge

Legal and administrative costs to discharge your mortgage, if your home is destroyed.

Terms, conditions, limits and exclusions apply. Please read the product disclosure statement for full details.

Insured events

Home and contents insurance covers damage and loss caused by the following events:

  • Storm and rainwater (flood cover is optional)
  • Fire
  • Lightning
  • Theft (or attempted theft)
  • Escape of liquid (e.g. burst pipe)
  • Impact at home (e.g. fallen tree)
  • Accidental breakage of glass, ceramic and sanitary fixtures
  • Malicious damage, vandalism, riot or civil commotion
  • Explosion
  • Earthquake

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:

Flood Cover

Covers your building and/or contents for damage or loss caused by flooding rivers, creeks and other bodies of water.§

Personal Effects Cover

Insures the portable items (e.g. jewellery, sunglasses, camera) you take with you away from your home. Read more

Accidental Damage

Standard cover includes accidental damage to glass, ceramic and sanitary fixtures; Accidental Damage extends this cover to most of your home and contents.

Motor Burnout

In case a power surge burns out a motor in an electrical appliance you own (less than 10 years old); we’ll also pay for related spoilage of food.

Landlord Cover

Protection if your tenant defaults on their rental payments and/or steals from or maliciously damages your investment property.

Sum Insured Safeguard

If your nominated sum insured is insufficient to repair or replace your home building, we’ll increase it by up to 25% (e.g. from $400,000 to $500,000).

You can add these covers when you get a quote and buy a policy or - if you’ve already bought a policy - by calling us on 1800 182 310 or logging into your online account and editing your policy.

Note that the addition of Flood Cover to a policy is subject to our underwriting criteria.

Landlords and renters

Budget Direct home and contents insurance is not only for homeowners, but landlords and renters too.

How much cover do I need?

It’s up to you to determine how much it would cost to replace your home building and home contents if they were totally destroyed, for example, by fire – the ‘sum insured’.

This is the maximum amount we’ll pay, so it’s important you’re comfortable the sum insured you nominate is sufficient to replace your entire home and all of your contents at today’s prices.

Use these calculators to help you estimate the cost of replacing your home building and home contents

Compare home insurance savings

Compared to their previous insurers’ premiums, customers across Australia who switched to Budget Direct home insurance told us they saved an average of



Use our Comparitron™ tool to compare home insurance savings against other insurers.


Get a quote online and save 30%

Getting a Budget Direct home 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

If your home and/or contents are lost, damaged or destroyed by an insured event and you need to make a claim, we’re here to help. Make a claim on your home and contents insurance policy.

Award-winning Australian home insurance

After comparing the cost and features of over 130 policies offered by more than 50 insurers, Canstar selected us as a National award winner for Outstanding Value Home and Contents Insurance in 2018.

We've also won Money magazine's Best of the Best title for Home and Contents Insurance three years running (2017-19); and a Mozo Experts Choice Award 2018 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.

CANSTAR's Outstanding Value Home & Contents Insurance Australia 2018
Money Magazine's Insurer of the Year 2018
Money Magazine's Cheapest Home & Contents Insurance 2019
MOZO's Experts Choice 2018 - Exceptional Value Home and Contents Insurance
Reader's Digest - Quality Service Award 2019 - Winner

Frequently asked questions

What’s covered under a ‘home building’ policy?

Among other things, a home building 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 building 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
  • kitchenware
  • 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.

Benefit limits apply to certain content items.

If I make a claim for loss or damage to my home building 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.

You can list your contents when you get a quote and buy a policy or – if you’ve already bought one – by calling us on 1800 182 310 or logging into your online account and editing your policy.

^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 2018. Visit for more details.
||Benefit capped at 10% of sum insured. Terms and conditions apply.

Get a home insurance quote online