Compare home insurance in QLD

The table below displays home and contents insurance policies, and their features, from our Online Partners in South Queensland (including Rockhampton and all areas south).

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Save Up To 10% When You Combine Home Building & Contents Insurance On The One Policy*.
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Up to $20M Legal Liability Cover*.
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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

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About Home Insurance in Queensland

Queensland is home to over 5.6 million people. It is Australia’s third most populated state. The Sunshine State, as it’s affectionately known, is vast, with widely varying weather. This means that finding the right home insurance for you in Queensland may depend on where you live.
Home insurance policies tend to differ for the two main regions in Queensland — North and South — with the Tropic of Capricorn typically used as a dividing line. Canstar’s comparison table and our Star Ratings and Awards regard the areas north of Rockhampton (excluding Rockhampton), as North Queensland, and everything south (including Rockhampton) as Southern Queensland.

You can use the table on this page to compare features of home insurance in the southern areas of Queensland, and change the filters to suit your requirements. Alternatively, you can explore home insurance policies in North Queensland.

Compare North Queensland Home Insurance

Frequently Asked Questions about Home Insurance in QLD

Home and contents insurance is not compulsory in Queensland. However, if you have a home loan, some lenders may require you to have home insurance as a condition of the mortgage. Choosing to insure your home and contents can provide a level of financial protection in the event of loss or damage caused by a disaster such as a fire, flood, storm or robbery.

Most policies will cover you for ‘defined events’ like natural disasters, while others may also cover you for accidental damage to your property or belongings.

In Queensland, you can insure your home for three different amounts:

  1. Sum insured value: Policies will typically pay claims for up to a specified amount.
  2. Safety net: Some policies may also pay an additional percentage above the sum insured amount in specific circumstances, such as when to original total falls short of what’s needed to rebuild your home.
  3. Total replacement value: A smaller number of policies will pay the total cost to repair or replace your property or contents.

Explore further→ How much should I insure my house for?

It can feel almost rare for Queensland to go a year without experiencing some form of natural disaster. Between the cyclones, fist-sized hail and flooding, there are a lot of ways your home can come under attack. Brisbane sits on a floodplain which puts parts of the city at risk of flooding whenever torrential rain hits.

With all these factors in mind, having some level of home and contents insurance in QLD can potentially help protect your home, possessions and finances.

The cost of home and contents insurance reflects the level of risk the insurance provider expects to take on. The premiums you pay will vary based on a wide variety of factors, such as:

  • the location of the property and whether it is prone to natural disasters
  • home security
  • the home’s estimated value.

The following figures show the average annual cost of home and contents insurance in South Queensland that the Canstar Research Team gathered and calculated during their work on Canstar’s Home and Contents Insurance Star Ratings and Awards.

South Queensland Annual Home & Contents Premiums

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Home
Insurance
Contents
Insurance
Home &
Contents
Insurance
Average Annual
Insurance Premiums
$2546 $438 $2735

Source: www.canstar.com.au – 14/04/2025. Premiums based on quotes obtained for Canstar’s 2024 Home and Contents Insurance Awards and Star Ratings (September 2024), for a range of addresses, property assumptions and building sum insured amounts. Premiums based on building sum insured amounts between $300,000 and $1,500,000 and a contents sum insured of $50,000.

When considering home and contents insurance, it’s important to read documents such as the Product Disclosure Statement (PDS),Target Market Determination (TMD) and the Key Facts Sheet closely to determine whether a policy suits your needs. There are certain things that you may not be covered for and these are called exclusions. Some of the most common exclusions in Australia are:

  • Leaving your home empty: Check with your insurance provider if there’s a maximum period you can be away for before your cover is void.
  • Having people stay in your house: In most cases, only the people on the insurance certificate are covered; guests or people housesitting may not be covered during an event.
  • Not properly securing your home: Claims may be rejected if you don’t take proper precautions to lock your doors, windows, gates etc.
  • Existing damage: New policies may not cover damage that already exists.
  • Stock for your home business: If you work from home, your business capital may not be covered under a standard home insurance policy. You may need separate business insurance.
  • Renovations: Most insurance providers won’t cover damage connected to renovations you’ve undertaken.

Explore further→ What can void Home Insurance?

When you’re considering your options for home and contents insurance, it is a good idea to compare several policies to find one that best suits your needs and budget. You can compare home and contents insurance with Canstar, and find insurance policies for people living in South Queensland, by using the table on this page. You can also adjust the filters to better suit your requirements.

You may also want to consider Canstar’s Home and Contents Insurance Awards and Star Ratings, which recognise providers that offer value for money to policyholders.

Latest in home insurance

Canstar Star Ratings and Awards

Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Home & Content Insurance Awards

About the authors

Mark Bristow, Senior Finance Content Producer

Mark Bristow
Mark Bristow is Canstar's Senior Finance Content Producer, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider. Mark has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities. Find Mark on Linkedin.

Joshua Sale, GM, Research

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Home Insurance Star Ratings were awarded in November 2024 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Home Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Check current rates and product details with the product issuer. The results will show the products that most closely match the inputs in the selector above the table. If you are unsure about any terms used in the comparison table please refer to the glossary.  Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. It’s important you check product information directly with the provider. Not all policies cover every part of a region. Your specific address may not be included in the policy’s coverage, even if other parts of the area are. For example, some insurers cover North Queensland but exclude Far North Queensland. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD. For more information, read our Detailed Disclosure

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.