Home Insurance for North Queensland

Looking for home insurance in North Queensland? The table below displays home insurance policies available for North Queensland residents (all areas north of Rockhampton, excluding Rockhampton) from our Online Partners.

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About home insurance in North Queensland

Queensland is a vast state with widely varying landscapes (and weather to match), so it follows that home insurance can differ depending on the location of your property. Home insurance policies tend to be separated into two 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 for home insurance purposes.

You can use the table at the top of this page to compare features of home insurance in the more northern areas of Queensland (such as Townsville, Mackay and Cairns), and you can change the filters to suit your requirements. Alternatively, you can explore home insurance policies in South Queensland.

Compare Southern Queensland Home Insurance

How much does Northern Queensland home insurance cost?

The cost of home insurance for North Queensland varies significantly between individual street addresses, postcode areas and housing types, as well as other factors. 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.

All North Queensland (above Rockhampton)

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Insurance
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Insurance
Premiums
$4,197 $619 $4,512

Source: www.canstar.com.au – 27/08/2024. 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. *North QLD is defined as the portion of Queensland north of, but not including, Rockhampton.

Additionally, the Australian Government has compiled insurance cost information based on a selection of postcodes, as part of its North Queensland Home Insurance initiative. The information comes from indicative quotes collected from a select few insurance providers, and does not include all North Queensland home insurers. The site also defines Rockhampton as being part of North Queensland, using the Tropic of Capricorn as the border. For more information, read the site’s FAQs.

Why do insurance premiums in North Queensland cost more than elsewhere?

North Queensland is a place of great beauty, from the Great Barrier Reef to the majesty of the Daintree Rainforest. But it is also a place that regularly takes a battering from nature, with the north of the state particularly susceptible to cyclones and storm surges.

With this historical trend and the predicted increase in weather event severity due to climate change, some properties in Northern Queensland that are considered at risk may find it more expensive and difficult to purchase a home insurance policy. The Australian Competition and Consumer Commission (ACCC)’s Northern Australia Insurance Inquiry Final Report, handed down in 2020 after a three-year investigation, found that average insurance premiums for northerners (not just in Queensland) “are almost double those in the rest of Australia”. Added to this, the excess is “also generally higher”, as residents move to reduce upfront and ongoing premium costs by increasing their insurance excess.

The way insurers price policies has also changed in recent years, a factor which the ACCC found to be impacting prices. Where once insurers would evaluate insurance risk at a postcode level, they were now using “more granular data and sophisticated pricing techniques” to evaluate insurance risk by an individual address.

There is also an increased risk of insurers declining to cover certain properties. The North Queensland Home Insurance initiative website states “in some cases, insurers may choose not to provide insurance if they think that the risk of a significant claim being made is too great”.

So, if you are in the market for home insurance in North Queensland, it could pay to compare features of policies, create a shortlist of insurers, and ask for quotes for your address, so you can weigh up what’s on offer. You can use the table at the top of this page to compare home and contents insurance for North Queensland from our Online Partners. You can also tailor the search by altering the filters.

It is important to check the PDS of your chosen policy before taking it out, so you can be sure of what is and isn’t covered.

How to find the best home insurance in North Queensland?

Finding the best North Queensland home insurance policy for you will ultimately depend on your location, needs and personal circumstances. It’s important to not only compare the cost of premiums, but also the features and level of coverage a home insurance policy offers you. Obtaining quotes from several different insurance providers is usually a good way to assess your options and help you find a policy that suits your needs. You can refer to a policy’s Product Disclosure Statement (PDS), Key Facts Sheet and Target Market Determination (TMD) for more information.

Frequently Asked Questions about Home Insurance in North Queensland

Home insurance is designed to cover you financially should something happen to your home and/or belongings. There are three main types of home insurance:

  • Building insurance: Covers the building itself and the fixtures
  • Contents insurance: Covers the personal belongings at your insured address
  • Home and contents insurance: Covers both the building and fixtures as well as personal belongings at your insured address

Landlord insurance is another type of home insurance that is designed to cover investors who rent out their properties to tenants. It may include extra cover for risks such as malicious damage by a tenant, or eviction related costs. Renters may also be able to take out a form of contents insurance known as renters insurance.

Your choice of a home insurance product generally depends on a few factors, such as:

It is important to note that cover for flood damage does not necessarily come standard with all home and contents insurance policies, and it’s therefore important to establish what kind of flood damage you’re covered for, and whether it’s a standard inclusion or an optional extra.

A survey of home and contents insurance policies on Canstar’s database found that, for those with flood cover, damage caused by rainwater runoff tends to be a standard inclusion, but damage for other things such as flash flooding due to heavy rain may not be.

77% of policies surveyed cover flooding from a natural water course such as a creek or river, or flooding from the release of a dam, as standard, while around 23% require policyholders to take this cover on as an optional extra.

A fifth of policies surveyed cover flooding damage due to a storm surge, while none of the policies surveyed cover flooding due to rising seawater or tidal flooding.

In an area such as North Queensland, which may be prone to flooding, it may prove very helpful to check the details of your policy or contact your insurance provider directly to find out exactly what you are covered for in this event.

Even after you take out a home and contents insurance policy, it’s important to remember that there are certain exclusions, and things 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 insurance providers 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 be away with your insurance provider.
  • Failing to properly secure your home: Your claim could be rejected if you don’t take proper precautions to lock 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. So the belongings of guests and house-sitters will be excluded under standard contents insurance.
  • 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 for damage or loss connected to repairs and renovations, so you may need a specialised policy for this, and alternatively it could be worth checking with your builder about the insurance they carry.
  • 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.

It’s important to check the PDS of your chosen policy before taking it out, so you can be aware of what you are and aren’t covered for. You may also like to check the TMD for a product you are considering. If you would like to know more, Canstar has considered some of the most common home and contents insurance exclusions.

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.

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About the authors

Nick Whiting, Content Producer

Nick Whiting
Nick is a Content Producer at Canstar, providing assistance to Canstar's Editorial Finance Team in its mission to empower consumers to take control of their finances. He has written hundreds of articles for Canstar across all key finance topics. Coming from a screenwriting background, Nick completed a Bachelor of Film, Television and New Media Production from Queensland University of Technology. Nick 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. Nick’s role at Canstar allows him to combine his love of the written word with his interest in finance, having learned the art of share trading from his late grandfather. Nick strives to deliver clear and straightforward content that helps the everyday consumer navigating the world of finance. Nick is also working on a TV series in his spare time. You can connect with Nick 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.