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 in between, we’ve got you covered§.

Award-winning home insurance

After comparing nearly 150 policies offered by more than 50 insurers, Canstar gave us one of only three national Outstanding Value Home and Contents Insurance awards in 2017.

We also won Money Magazine’s 2018 Best of the Best award for Cheapest Home and Contents Insurance (not to mention Money’s Insurer of the Year title).

CANSTAR's Outstanding Value Home & Contents Insurance Australia 2018
Money Magazine's Best of the Best 2018
Money Magazine's Insurer of the Year 2018

Choose your cover

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


Home and Contents Insurance

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

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

Covers loss or damage to your home contents due to events like storms, fire and theft, including 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 Capicorn 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.

Home Insurance Knowledge Base

Your questions about insurance all
answered in one place.

§ 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 2018. Visit for more details.
† {comparitron-disclaimer}

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