Home insurance deals, offers & discounts
We’ve rounded up some of the latest home insurance deals and discounts to see how much you could save on your policy.
04 Nov 2025
We’ve rounded up some of the latest home insurance deals and discounts to see how much you could save on your policy.
What is home insurance?
Home insurance can provide financial coverage in the event that your home’s building and/or contents become damaged as a result of insured events such as accidental damage, theft, fire, hail and storm or flood damage. These events will be listed in your policy, as well as any terms and conditions that apply.
How can I get a discount on home insurance?
Online discounts
You may be able to get a discount by buying a policy online, rather than over the phone or in person. For example, at the time of writing, some providers offer discounts of up to 30% for buying a combined policy online.
Combined home and contents discounts
You could also get a discount if you combine both home building insurance and contents insurance into one policy. For example, at the time of writing, some providers offer discounts of up to 30% for combining home and contents insurance.
Another way you could save is with a multi-policy discount. This gives you a discount if you have multiple policies with one insurance provider, such as home insurance and car insurance.
Some insurance providers also offer loyalty discounts, for having a policy with them over multiple years.
Keep in mind, some of these discounts can be stacked but will often be subject to certain terms and conditions, including maximum discount amounts or minimum premiums.
Home insurance offers in November 2025
Here are some of the home insurance deals and discounts available from providers on Canstar’s database (sorted alphabetically by provider name) at the time of writing. Before applying for a policy, check with the provider to confirm the details of these home insurance offers, including any additional eligibility criteria (some offers may be state or territory specific), conditions or exclusions that may apply.
For example, some discounts may not apply to optional cover such as flood or portable contents cover. Home insurance offers can also be changed or withdrawn at any time.
AAMI
Online discount: $50 off your first year’s premium for combined home and contents insurance or $25 off building only or contents only insurance when you buy a new policy online.
ahm
Members discount: Eligible ahm and Medibank health members can save 10% on premiums for home insurance policies. Members can save an additional 10% when purchasing home and contents insurance as a combined policy.
Allianz
Combined discount: Up to 10% off when you buy building and contents cover in a combined policy.
Apia
Online discount: 10% off the first year of your home and contents insurance when you buy online.
Multi-policy discount: 10% off if you have two or more eligible Apia general insurance policies, with home insurance and contents insurance policies among those eligible.
Aussie
Online discount: Save up to 10% on your first year’s premium when you quote and buy a new building or contents insurance policy online.
Combined discount: Up to 10% off if you combine buildings and contents insurance under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out a new home insurance policy. The discount is based on your claims history in the preceding five years.
Australian Seniors
Combined discount: Up to 20% off if you buy combined home and contents insurance. This is made up of a 10% combined policy discount and a 10% discount for Seniors Card holders.
Australian Unity
Online discount: Up to 10% off your first year’s premium when you quote and buy a new building or contents insurance policy online.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
Bank of Melbourne
Combined discount: Up to 10% off your premium when you combine building and contents cover.
Gift card offer: Buy a new eligible policy, with a minimum premium of $750, and get a $150 eGift card. Offer ends 28 November 2025.
BankSA
Combined discount: Up to 10% off your premium when you combine building and contents cover.
Gift card offer: Buy a new eligible policy, with a minimum premium of $750, and get a $150 eGift card. Offer ends 28 November 2025.
BOQ
Smart Home offer: Up to 8% off your premium if you use the three smart sensors provided by the insurer. They monitor your home for avoidable household problems such as fire, water damage, and theft.
Budget Direct
Online discount: Up to 30% off your first year’s premium if you buy home and contents insurance online, or up to 15% off if you buy home only or contents only insurance online.
Bupa Insurance
Members discount: Eligible Bupa Health Insurance members can save 10% off premiums and Bupa Ultimate Health Insurance members can save 15% off premiums. Bupa members can get an additional 10% off (to a total discount of 20%) if they combine their home and contents insurance under one policy.
Coles Insurance
Online discount: Save 15% on your first year’s premium when you buy home or contents insurance online.
Combined discount: Save 30% on your first year’s premium for combined home and contents insurance policies purchased online—15% online discount and 15% combined discount.
CommBank
Combined discount: Up to 15% off when you purchase combined building and contents cover.
Everyday Insurance (from Woolworths)
Combined discount: Save up to 10% when you buy combined home and contents insurance.
Woolworths shop offer: Get 10% off your grocery shop from Woolworths once a month (with a maximum saving of $50 each month) on purchases up to $500. Available to policyholders with a registered Everyday Rewards card linked to their policy.
GIO
Online discount: 10% off your first year’s premium when you buy an eligible home insurance policy online.
Combined discount: Up to 15% off when you purchase combined building and contents cover under one policy.
Multi-policy discount: 10% off if you have three or more eligible GIO policies, with home insurance and contents insurance policies among those eligible.
gmcu
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home insurance policy online.
Combined discount: Up to 10% off when you combine building and contents cover under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
Great Southern Bank
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home and contents insurance policy online.
Combined discount: Up to 10% off when you purchase combined building and contents cover under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
Gift card offer: Get a $150 gift card when you buy a new eligible insurance policy. Offer ends 30 November 2025.
Honey
Smart Home offer: Up to 8% off your premium if you use the three smart sensors provided by the insurer. They monitor your home for avoidable household problems such as fire, water damage, and theft.
HSBC
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home insurance policy online.
Combined discount: Up to 10% off when you purchase combined building and contents cover under one policy.
Huddle Insurance
Combined discount: 10% off when you combine home and contents cover under one policy.
Hume Bank
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home insurance policy online.
Combined discount: Up to 10% off when you combine building and contents cover under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
IMB Bank
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home insurance policy online.
Combined discount: Up to 10% off when you combine building and contents cover under one policy
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
ING
Online discount: Up to 30% off your first year’s premium if you buy combined home and contents insurance, or up to 15% off if you buy home or contents insurance online.
Kogan Insurance
Online discount: Up to 10% off your first year’s premium when you quote and buy a new home insurance policy online.
Kogan.com offer: Active policyholders receive $10 off a purchase of $100 or more at Kogan.com once per month.
NAB
Online discount: Up to 10% off your first year’s premiums when you quote and buy a new home and/or contents insurance policy online.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
National Seniors
Online discount: Up to 10% off the first year’s premium when you quote and buy a new home insurance policy online.
Combined discount: Up to 10% off when you combine building and contents cover under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
NRMA
Online discount: Save up to 10% on your first year’s premium for home building, contents or home and contents insurance when you quote and buy online.
Multi-policy discount: A multi-product discount may apply when you hold two or more eligible insurance policies with NRMA.
Relationship discount: A relationship discount could also apply if you’ve held an eligible policy for five consecutive years.
Ozicare
Online discount: 30% off your first year’s premium if you buy a new home and contents insurance policy, or 15% off your first year’s premium if you buy a new building only or contents only insurance policy online.
Qantas Insurance
Online discount: 15% off the first year’s premium when you buy a new home insurance policy online.
Combined discount: 15% off the first year’s premium when you combine home and contents insurance.
Qantas Points offer: Earn up to 30,000 Qantas Points over 6 months for every home insurance policy you take out (annual premium over $2,000 required). Offer ends 26 November 2025. Earn one Qantas Point per $1 spent on your premium and an additional 2,600 points a year by using the Qantas Wellbeing App and regularly completing home related checks and reaching your sleep goals.
QBE
Online discount: Save 10% when you buy a new home, contents or home and contents insurance policy online.
RAC
Combined discount: 15% off when you combine home and contents insurance under one policy.
Members discount: Existing RAC members can also save up to 10% on premiums (based on membership level).
Additional offer: You can also save up to 12.5% on your contents insurance if you have an alarm system, or up to 25% on your contents insurance if you have an RAC-monitored alarm.
RACQ
Online discount: $50 off if you buy home and contents insurance, or $25 off if you buy home or contents only insurance online.
Combined discount: Up to 13% off when you combine home and contents insurance.
Multi-policy discount: If you have three or more insurance policies, get up to 5% off each eligible policy.
Members discount: Existing RACQ Roadside Assistance members can also get up to a 15% discount on home and contents insurance (based on membership level).
RACV
Multi-policy discount: If you have two or more eligible insurance policies, get up to 10% off each.
Members discount: Existing RACV members can also get up to a 20% discount (based on membership level).
No claim discount: Up to a 25% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history.
Real Insurance
Combined discount: Save 10% when you buy a combined home and contents insurance policy.
Shannons
Multi-policy discount: If you have an active motor policy with Shannons, you may be eligible for a discount of up to 10% on your home and contents premium.
St.George
Combined discount: Up to 10% off your premium when you purchase combined building and contents cover under one policy.
Gift card offer: Buy a new eligible policy, with a minimum premium of $750, and get a $150 eGift card. Offer ends 28 November 2025.
Suncorp
Online discount: $100 off your first year’s premium if you buy home and contents insurance, or $50 off your first year’s premium if you buy building only, contents only or renters insurance online.
Multi-policy discount: Combine three or more eligible policies and receive a 15% discount.
Senior Card discount: Receive a 6% discount if you have a Queensland Seniors Card.
TIO
Combined discount: Up to 10% off when you combine building and contents cover under one policy.
No claim discount: Up to a 30% discount could apply to eligible customers taking out new home insurance. The discount is based on your claims history in the preceding five years.
Westpac
Combined discount: Up to 10% off your premium when you purchase combined building and contents cover under one policy.
Gift card offer: Buy a new eligible policy, with a minimum premium of $750, and get a $150 eGift card. Offer ends 28 November 2025.
Source: Providers’ websites as at 04/11/2025.
Why is home and contents insurance important?
Buying a home will generally be one of the biggest financial investments you make, so having some peace of mind that it’s covered in case of damages can be important.
Home building insurance can help cover the costs of replacing or repairing your home and outbuildings (like sheds and garages) if they’re damaged by insured events like natural disasters, bushfires and accidental and malicious damage.
Contents insurance can help protect the items inside your home, such as jewellery, furniture, clothing, tools and appliances like TVs, washing machines and fridges. Your policy may also provide coverage for motor burnout for certain appliances, as well as coverage for damage caused by flooding.
As home insurance policies can differ quite drastically from one another, it’s important to read all relevant documentation, such as the Product Disclosure Statement (PDS) and Target Market Determination (TMD), for any policy you’re considering.
Compare home and contents insurance policies with Canstar
When it comes to choosing a home insurance policy, price isn’t everything. It’s important to also take into account the quality of the coverage you’re getting for your money. This can include what is and isn’t included in a policy, the claim limits and sub-limits that may apply and the excess you have to pay when making a claim.
Canstar compares home insurance on both price and features, to help you determine value. You can compare home and contents, home only, or contents only insurance policies using Canstar’s comparison tables.
This article was reviewed by our Deputy Finance Editor Alasdair Duncan before it was updated, as part of our fact-checking process.
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