Get a Simply Smarter Quote

Get a Quote for:

 
%

OFF

Combined Smart
Home & Contents
Insurance
Online

 

Save % online

When you buy Home or Contents Insurance online^

Save % online

When you buy Home or Contents Insurance online^

Save %^

When you buy Smart Home or Smart Contents Insurance online

Get a 60 Second Estimate

Home Insurance Deals

You always hear that one of the best ways to save money on your insurance is to ‘shop around’. So why don’t we do it more often? A Roy Morgan survey from 2012 found that consumers in the UK were 4 times more likely than Australians to compare their current insurer with others1. There are numerous theories about the reasons for our ‘comparison hesitation’, but the end result is clear: because of our reluctance to compare insurance offerings, many of us may be paying more than we really need for our insurance. When our policy comes up for renewal, our eyes glaze over and we become creatures of habit – we hardly look at it or think about it; we just automatically pay it. And in many cases, this is costing us money.

We live in a busy world, so we love to put things off. Mow the lawn? Next week sounds good. Defrag the computer? Sure, one day. Start hitting the gym again? Excellent idea: next month, for sure. And on it goes. But why wouldn’t we want to save money (possibly hundreds of dollars) when we can do it so easily, quickly and painlessly? It’s a mystery all right – like Bigfoot, the Loch Ness Monster and clothing choices in the 1970s.

Are you 100% happy with your current Home & Contents Insurance?

Your house is probably the most valuable asset you will own in the course of your lifetime. Being a homeowner in Australia is something to be proud of, but it comes with responsibilities. You’ll want to do all you can to protect what’s yours. Finding reliable Home & Contents cover that suits your circumstances is a decision you need to make carefully.

These days, it only takes a few minutes to compare Home Insurance prices, benefits and services online. So if your policy is coming up for renewal and you’re looking for a deal that might be a better fit (in terms of price, Policy Benefits or both), go ahead and see what’s out there. You might be surprised at what you can save.

Why checking out Budget Direct makes sense

When you’re on the hunt for Smarter Insurance, you want a quick and simple way to see how different prices are. Fortunately, there’s a terrific little online tool for that: Budget Direct’s Comparitron™. In a matter of seconds, it can tell you what our customers saved by switching their Home & Contents cover over to Budget Direct. We think we’re as competitive as anyone out there, but you don’t need to take our word for it, we took out the Mozo People’s Choice Award for our Home Insurance products in 2016. Find out more about this award and other awards we’ve won.

Accurate risk assessments help us keep your premium prices lower, and because you can tailor your cover to match your individual requirements, you get the insurance that works for you and fits in with your budget. We provide great discounts for customers who choose to pay for their new policy online, too: % off for a Home or Contents policy and % off if you opt for a combined Home & Contents policy purchased online. Now that’s a deal! And you can pay for your cover once a fortnight, once a month or once a year, using PayPal, direct debit or credit card – it’s entirely your choice.

Choosing your policy options

Home & Contents policies can vary considerably in Australia – they are by no means ‘all the same’. Comparing prices is certainly important, but you also need to pay close attention to what you’re getting for your money.

Our Standard Benefits include fire cover; explosion cover; theft or attempted theft; malicious damage; vandalism; accidental breakage of glass, ceramic and sanitary fixtures; storm and rainwater damage; lightning cover; earthquake cover and a whole lot more. If you feel that additional cover is required, you can select from our Optional Benefits to top things up. If you’re renting a property and have taken out Landlord Insurance with us, there are some useful Optional Benefits available there too.

Can you afford to replace your Contents?

There’s an old saying: “we don’t own our possessions – they own us”. In a way, that’s true, because the more household possessions you’ve acquired over time, the more responsibility you have to keep them safe. It’s a funny thing – most of us generally have a fair idea of what our house is worth, but only a vague notion of the total value of what’s inside our homes. The replacement value of all your appliances, furnishings, clothing, etc. is probably more than you realise (the average Aussie household contains possessions worth over $60,000)3.

What happens if your household contents are damaged or stolen? Burglaries are a sad fact of life in this country – in fact, our rate for home thefts is higher than a number of other developed nations including France, Japan, Spain and the Netherlands4. There are always steps you can take to make your home more secure, but theft can still happen – even to well-secured houses in good neighbourhoods.

If you want to know what it might cost to replace your household items, feel free to use our Replacement Value Calculators to help you work it out. Knowing these numbers can help you select the level of Contents Insurance you need to help protect the precious things you own.

Claims made easy

Every Home & Contents policy-holder with Budget Direct has access to our Australia-based Claims Hotline, available 24 hours a day for your convenience. Your cover also comes with a 21-day Money Back Guarantee if you should change your mind, where a claim has not been made. With all Budget Direct policies, terms, conditions, limitations and exceptions apply, so read the Product Disclosure Statement for details.

Grab a quote from us today – in just minutes!

Get an Online Quote now and save!


1 http://www.smh.com.au/money/planning/shop-around-for-a-good-insurance-deal-20131105-2wxs6.html
2 https://www.budgetdirect.com.au/about-us/awards.html
3 http://www.abs.gov.au/AUSSTATS/abs@.nsf/Lookup/4102.0Main+Features10Dec+2011#Contents5
4 http://www.aic.gov.au/publications/current%20series/cfi/161-180/cfi174.html

Get a Simply Smarter Quote

Get a Quote for:

 
%

OFF

Combined Smart
Home & Contents
Insurance
Online

 

Save % online

When you buy Home or Contents Insurance online^

Save % online

When you buy Home or Contents Insurance online^

BD:HC:Home-Insurance-Deals
BD:HC
tws01-cqp1