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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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.
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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Home Insurance |
Contents Insurance |
Home & Contents Insurance |
|
---|---|---|---|
Average Annual 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
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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
Nick Whiting, Content Producer

Joshua Sale, GM, Research

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.