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Who are the best home insurance providers in Australia?
The ‘best’ home insurance provider for you will depend on your budget, where you live and the level of cover you need. To help you compare your options, Canstar’s annual Home Insurance Awards recognise insurers that provide outstanding value to customers, both nationally and by state or territory.
You might also consider Canstar’s Customer Satisfaction Awards: Home Insurance, which highlight the providers rated most highly by everyday Australians based on their overall experience and, in some cases, claims performance.
National Outstanding Value Award winners
- AAMI: Home Insurance, Contents Insurance and Home & Contents Insurance
- Allianz Australia: Home Insurance and Home & Contents Insurance
- QBE: Home Insurance and Home & Contents Insurance
- Suncorp Insurance: Contents Insurance
- Westpac: Home Insurance, Contents Insurance and Home & Contents Insurance
WA Outstanding Value Award winner
- AAMI: Contents Insurance
- NRMA: Home Insurance and Home & Contents Insurance
Providers with the highest level of customer satisfaction are also recognised in Canstar’s Customer Satisfaction Awards: Home Insurance.Â
Customer Satisfaction Award winners
- Youi: Australia
- RAC: WA and Home Insurance Claims - Australia
Quickly compare home insurance policies in Western Australia using the table above. See key features, optional cover inclusions, and Canstar’s Cover Rating at a glance, and adjust the filters to focus on what’s most important to you.
How do you find the best home insurance in Western Australia?
Finding the best home insurance in Western Australia isn’t about choosing one ‘perfect’ policy, it’s about finding cover that suits your home, your location and the risks you’re most likely to face. A house in Perth, for example, may need very different protection to a cyclone-exposed property in the Pilbara region.
A good place to start is by asking yourself a few key questions:
Does the policy cover Western Australia-specific weather risks?
Western Australian homeowners on the northwest coast often face higher exposure to severe storms and cyclones. When comparing policies, check whether events like storm and fire damage, flood and water ingress are covered, and whether any exclusions or waiting periods apply.
Is your home insured for the full rebuild cost?
With construction and labour costs rising, underinsurance can be a real risk. Industry guidance from ASIC and APRA recommends reviewing your sum insured amount regularly to make sure it reflects the true cost to rebuild your home today—not just its market value. The same goes for your contents, particularly if you’ve upgraded appliances, furniture or electronics.
Are the features suited to where you live?
Some policy features can be especially valuable for Western Australian homes, such as cover for temporary accommodation if your property becomes unlivable, debris removal after severe weather, or optional accidental damage. Comparing these features alongside the premium can help you spot better value.
How does the excess work for claims like floods or cyclones?
Home insurance policies in Western Australia may include separate or higher excesses for certain events, such as cyclones or bushfire claims. It’s worth checking how these excesses apply and whether you could comfortably afford them if you needed to make a claim.
Have you compared quotes across multiple providers?
Home insurance premiums can vary significantly across Western Australia—even between neighbouring suburbs. Getting quotes from several insurance providers lets you compare costs, coverage levels and features side by side. Once you’ve narrowed your options, review the Product Disclosure Statement (PDS), Key Facts Sheet and Target Market Determination (TMD) to check if the policy is suitable for your home and location.
What type of home insurance can I get in Western Australia?
There are three main types of home insurance policies available in Western Australia and Australia more broadly:
- Building insurance: covers your physical home itself, plus some fixtures like light sockets and built-in cupboards, for example. It can also cover outdoor structures like garages and sheds.
- Contents insurance: covers your belongings that reside in your home, including furniture, electrical equipment and clothing.
- Combined home and contents insurance: covers both the building and fixtures, and the belongings that reside in your home.
What are some common exclusions in home and contents insurance?
Even after you take out a home and contents insurance policy, it’s important to remember that there are certain policy exclusions that could see your claim knocked back. In Australia, some of the most common exclusions to be wary of are:
- Leaving your home empty: Some insurers have a maximum period you can be away from home before your cover is voided, so it’s important to check exactly how long you can leave your home unoccupied for with your provider.
- Failing to properly secure your home: Your claim could be rejected if you don’t take proper precautions to lock the doors and windows in your home, or to take measures like closing windows when a storm is coming.
- Visitors staying at your house: Typically only people listed on your insurance certificate will be covered. The belongings of guests and house-sitters will be excluded under standard contents insurance. More comprehensive policies, however, may provide some form of coverage for guests’ belongings.
- Existing damage: New policies may not cover pre-existing damage to your home or its contents.
- Renovations: Most home and contents insurance policies will not cover you for damage or loss connected to repairs and renovations, so you may need a specialised policy for this. Alternatively, check with your builder about the insurance they carry.
- Stock for your home business: If you work from home, your business supplies may not be covered under a standard home insurance policy. You may need separate business insurance.
How much does Western Australia home insurance cost?
The cost of home insurance for Western Australia varies significantly between individual street addresses, postcode areas and housing types, as well as other factors.Â
To give you a broad idea of the potential cost, the Canstar Research Team has compiled the following general estimates, based on research carried out for the Canstar’s Home and Contents Insurance Awards:
- Home insurance: $1,943
- Contents insurance: $471
- Combined home and contents insurance: $2,224
Source: www.canstar.com.au - 05/01/2026. Premiums based on quotes obtained for Canstar's Home and Contents Insurance Awards and Star Ratings (August 2025), 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.
How can you get the cheapest home and contents insurance in WA?
If you're looking for cheaper home and contents insurance, there are a few options that could help lower your premiums. Keep in mind that not every strategy will suit every Western Australian, and that the cheapest home insurance policy may not always be the best suited to your household's needs:
- Buy online: Several insurers offer online discounts when you apply for insurance over the internet.
- Bundle your policies: A combined home and contents insurance policy can sometimes be cheaper than two seperate policies. Also, if you're already a customer of an insurer, they may sometimes offer a multi-policy discount if you take out more policies with them.
- Adjust your excess: Sometimes agreeing to pay a higher excess when you make a claim can mean you pay less in premiums.
- Pay annually: Paying your yearly premium upfront as one lump sum can turn out cheaper than paying quarterly or monthly, depending on the insurer.
How do you compare home and contents insurance for Western Australia?
Looking for home insurance in Western Australia? Make sure you compare policies carefully; consider these key factors to find the coverage that best protects your home:
- The risks you’ll be covered for and any optional extras that you may want to add on, such as cover for storms, flooding, accidental damage, motor burnout and portable contents.
- The level of cover, such as the sum insured amount that your provider will pay out if your home is damaged or destroyed by an insured event.
- The premiums charged and if there are any discounts on offer.
- The excess you’ll pay if you need to make a claim.
