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Since 2000, Budget Direct has provided home and contents insurance to Queenslanders living south of the Tropic of Capricorn.

Whether you’re an owner–occupier, landlord or renter, living in Rockhampton, Brisbane or Birdsville, or anywhere between, we’ve got you covered§.

Switch and save

Compared to their previous insurers' premiums, our Queensland customers told us they saved an average of $### by switching to Budget Direct Combined Home and Contents Insurance.

Here are their self-reported savings:

†See what this figure is based on

Queenslanders who bought… Told us they saved an average of…
Combined Home and Contents Insurance $###

Use our Comparitron™ tool to compare home insurance savings reported by our customers throughout Australia.

Award-winning Queensland home insurance

After comparing the cost and features of 127 policies offered by 52 insurers, Canstar presented us with the National award for Outstanding Value Home & Contents Insurance for the fifth year in a row in 2021.

We’ve also won Money magazine’s Insurer of the Year title six years running (2017–2022); and a Mozo Experts Choice award for Exceptional Value Home & Contents Insurance (2017–2021).

CANSTAR's Outstanding Value Home and Contents Insurance Australia 2017-2021
Money Magazine's Insurer of the Year 2022
Mozo Experts Choice 2021 - Exceptional Value Home and Contents Insurance

Choose your cover

You can get home or contents cover separately, or combine them.

Home and Contents Insurance

Protect your most valuable asset and belongings by combining home and contents insurance.
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Home Insurance

Covers loss or damage to your home due to events like storms, fire and escape of liquid. Includes the costs of repairs or rebuilding and temporary accommodation.
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Contents Insurance

Covers loss or damage to your contents due to events like storms, fire and theft. Includes new-for-old replacement of items that can’t be repaired.
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Highly rated claims


Why does Budget Direct only cover homes south of the Tropic of Capricorn in Queensland?

Northern Australia is exposed to more intense weather-related perils, most notably cyclones, than southern Australia is.

To manage claims costs and keep premiums low for our customers, our policy is to only insure homes south of the tropics.

§ Subject to you meeting our underwriting criteria.
*Based on customers in Queensland who have made a claim on Budget Direct Home Insurance, and who were surveyed between 10 February 2015 and 31 March 2022. Visit for more details.

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