Home Insurance South Australia
Compare home and contents insurance policies from our Online Partners for homes in South Australia. The results shown are sorted by Star Rating (highest to lowest), then alphabetically by brand.
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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, see top of table for details.
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What type of home insurance can I get in SA?
Three main types of home insurance are available to homeowners in South Australia are:
Home building insurance in SA
Also known simply as home insurance, this type of cover provides financial protection if your home needs to be repaired or rebuilt due to an event covered by your policy. Depending on the insurer and policy you choose, home building insurance can also cover garages, driveways, fencing and fixtures such as built-in cupboards or a hot water heater.
Contents insurance in SA
As the name suggests, contents insurance focuses on the household items and personal belongings within your home. This can include your clothing, furniture, jewellery and home appliances.
Combines home and contents cover in SA
Homeowners in SA can choose to take out separate home building insurance and contents cover with different insurers. However, it can be easier – and sometimes cheaper – to take out a combined home and contents policy with the same insurer. However, depending on your circumstances you may not always require both home and contents insurance. For example, Moneysmart notes that if you’re a renter or living in an apartment rather than a house, you may not need to take out home building insurance.
How much does home and contents insurance cost in SA?
The cost of home insurance in South Australia tends to be less than in other states and territories. How much less? Canstar has done the sums for a variety of suburbs and home values across SA, and calculated the average cost for different policy types:
- Home insurance: $1,266
- Contents insurance: $366
- Combined home and contents insurance: $1,501
These average premiums are based on home and contents insurance policies rated in Canstar’s 2023 Home and Contents Insurance Awards and Star Ratings. When calculating these figures, we considered a range of addresses and building sum insured amounts, with premiums based on building sum insured amounts between $200,000 and $1,800,000, and contents sum insured for $50,000.
How do you compare home and contents insurance for SA?
If you live in South Australia and are in the market for a new policy or looking to switch providers for a better deal, you can compare home and contents insurance using the comparison table above.
When comparing home insurance, some factors to check include:
- The risks you will be covered for and any optional extras that are you can add on
- The level of cover
- The premiums charged and any discounts on offer
- The excess you will pay if you make a claim
You may also want to consider Canstar’s Home and Contents Insurance Awards and Star Ratings, in which we recognise providers who offer value for money to Australian customers.
How to save on home insurance in SA
Premiums on home insurance in South Australia can vary widely between different insurance companies. Shopping around and comparing a range of policies and providers can be a sensible step to help lower the cost. Plenty of insurers also offer discounts on home insurance when you organise and pay for cover online or when you take out combined home and contents insurance.
The premiums you pay shouldn’t be the only factor you consider. Just as the cost can vary, so too can the level of cover. This makes it important to read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) from your insurer to understand what you are covered for, how much cover you have, and any items that may be excluded.
It may also be possible to reduce the premiums on home insurance in South Australia with a few extra security measures. For example, some providers may reduce the cost of your cover if your home has window locks or other security devices such as a burglar alarm or home security system. Opting for a higher excess can also lower your premiums – just be sure you can pay the excess if you ever need to make a claim.
Frequently Asked Questions about South Australia Home Insurance
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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.
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About the authors
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
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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.