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

Whether you’re an owner–occupier, landlord or renter, living in Carnarvon, Perth, or Kalgoorlie–Boulder, or anywhere between, we’ve got you covered§.

Award-winning 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 four years running (2017–20).

And we earned 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.

CANSTAR's Outstanding Value Home & Contents Insurance Australia 2019
Money Magazine's Cheapest Home & Contents Insurance 2020
Money Magazine's Insurer of the Year 2020
MOZO's Expert's Choice 2019 - Exceptional Value Home and Contents Insurance
Reader's Digest - Quality Service Award 2019 - Winner

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 WA?

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.

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

† {comparitron-disclaimer}
§ Subject to you meeting our underwriting criteria.
*Based on customers in Western Australia who have made a claim on Budget Direct Home Insurance, and who were surveyed between 10 February 2015 and 31 May 2020. Visit for more details.

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