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Home insurance deals, offers & discounts
05 Aug 2025
KEY POINTS
- Home and contents insurance can cover damage from events like fire, theft, storms, or floods, with coverage depending on your policy.
- Discounts of up to 30% may be available for buying combined home and contents policies online, bundling multiple policies with the same provider, or as a no-claim bonus.
- Discounts and offers vary between providers, and from time to time. It’s important to check the provider’s website for current deals, eligibility criteria, and terms and conditions.
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 listed or defined 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 combined home and contents insurance online.
Combined home and contents discounts
You could also get a discount if you combine both home 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 the one insurance provider, such as home insurance and car insurance.
Some insurance providers also offer loyalty discounts, for having multiple different policies with them over multiple years.
Keep in mind, some of these discounts can also be stacked but will often be subject to certain terms and conditions, including maximum discount amounts or minimum premiums.
Compare Home and Contents Insurance with Canstar
If you’re comparing home and contents insurance policies, the comparison table below displays some of the policies currently available from our database that offer Online Discounts, for an Australian aged under 50, seeking cover in NSW or the ACT for a cost to replace contents of below $75,000. The table is sorted by products from our Online Partners, then by Star Rating (highest to lowest), followed by provider name (alphabetically). 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. Use Canstar’s home insurance comparison selector to view a wider range of policies. If a “get quote”, “go to broker” or “click here” button is shown, the provider is one of Canstar’s Online Partners. Canstar may earn a fee for referrals.
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Home insurance offers in August 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.
Check with AAMI for T&Cs.
ahm
Members discount: Eligible ahm and Medibank health members can save 10% on premiums for home insurance policies. Members can also save an additional 10% when purchasing home and contents insurance as a combined policy.
Check with ahm for T&Cs.
Allianz
Combined discount: Up to 10% when you buy building and contents cover in a combined policy.
Check with Allianz for T&Cs.
Apia
Online discount: 10% off the first year of your home and contents insurance premium 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.
Check with Apia for T&Cs.
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 home insurance 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.
Check with Aussie for T&Cs.
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.
Check with Australian Seniors for T&Cs.
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.
Check with Australian Unity for T&Cs.
Australia Post
Combined discount: 10% off when you buy home and contents insurance in a combined policy online.
Check with Australia Post for T&Cs.
Bank of Melbourne
Combined discount: Up to 10% off your premium when you combine building and contents cover.
Check with Bank of Melbourne for T&Cs.
BankSA
Combined discount: Up to 10% off your premium when you combine building and contents cover.
Check with BankSA for T&Cs.
BOQ
Smart Home offer: Up to 8% off your home and contents insurance 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.
Check with BOQ for T&Cs.
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 your first year’s premium if you buy home only or contents only insurance online.
Check with Budget Direct for T&Cs.
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.
Check with Bupa for T&Cs.
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 apply.
Additional offer: Get 10% off one Coles shop every calendar month (up to $50) for 12 months when you take out and hold a new Coles Home Insurance policy, join and redeem a free Coles Plus Saver account (excludes existing members) and link your Flybuys. Limit one membership per Flybuys account and offer ends 31 August 2025.
Check with Coles Insurance for T&Cs.
CommBank
Combined discount: Up to 15% off when you purchase combined building and contents cover.
Check with CommBank for T&Cs.
Everyday Insurance (from Woolworths)
Combined discount: Save up to 10% when you buy combined home and contents insurance.
Additional 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.
Check with Everyday Home & Contents Insurance for T&Cs.
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.
Check with GIO for T&Cs.
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.
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.
Check with gmcu for T&Cs.
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.
Additional offer: Get a $150 gift card when you buy a new eligible insurance policy. Offer ends 30 September 2025.
Check with Great Southern Bank for T&Cs.
Honey
Smart Home offer: Up to 8% off your home and contents insurance 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.
Check with Honey for T&Cs.
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.
Check with HSBC for T&Cs.
Huddle Insurance
Combined discount: 10% off when you combine home and contents cover.
Check with Huddle Insurance for T&Cs.
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.
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.
Check with Hume Bank for T&Cs.
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.
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.
Check with IMB Bank for T&Cs.
ING
Online discount: Up to 30% off your first year’s premium if you buy combined home and contents insurance online, or up to 15% off if you buy home or contents insurance online.
Check with ING for T&Cs.
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.
Check with NAB for T&Cs.
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.
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.
Check with National Seniors for T&Cs.
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.
Check with NRMA for T&Cs.
Ozicare
Online discount: 30% off your first year’s premium if you buy a new home and contents insurance policy online, or 15% off your first year’s premium if you buy a new building only or contents only insurance policy online.
Check with Ozicare for T&Cs.
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.
Additional 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 27 August 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.
Check with Qantas Insurance for T&Cs.
QBE
Online discount: Save 10% when you buy a new home, contents or home and contents insurance policy online.
Check with QBE for T&Cs.
RAC
Combined discount: 15% off when you combine home and contents insurance.
Members discount: Existing RAC members can also save up to 10% on premiums.
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.
Check with RAC for T&Cs.
RACQ
Online discount: $50 off if you buy home and contents insurance online, 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).
Check with RACQ for T&Cs.
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 on home and contents insurance (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.
Check with RACV for T&Cs.
Real Insurance
Combined discount: Save 10% when you buy a combined home and contents insurance policy online.
Check with Real Insurance for T&Cs.
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.
Check with Shannons for T&Cs.
St.George
Combined discount: Up to 10% off your premium when you purchase combined building and contents cover under one policy.
Check with St.George for T&Cs.
Suncorp
Online discount: $100 off your first year’s premium if you buy home and contents insurance online, 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.
Check with Suncorp for T&Cs.
TIO
Combined discount: Up to 10% off when you combine building and contents cover.
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.
Check with TIO for T&Cs.
Virgin Money
Online discount: Up to 30% off the first year’s premium if you buy an eligible home and contents insurance policy online, or 15% off the first year’s premium if you buy an eligible home or contents insurance policy online.
Check with Virgin Money for T&Cs.
Westpac
Combined discount: Up to 10% off your premium when you purchase combined building and contents cover under one policy.
Check with Westpac for T&Cs.
Source: Providers’ websites as at 04/08/2025.
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 are 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 these 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 policy documentation, such as the Product Disclosure Statement (PDS) and Target Market Determination (TMD), for any policy you are 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 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.
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Canstar Star Rating
This article was reviewed by our Content Editor Alasdair Duncan before it was updated, as part of our fact-checking process.
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