Home insurance deals & discounts

TAMIKA SEETO
Finance Journalist · 5 October 2021
Looking to score a deal on your home insurance policy? Here are some of the deals and discounts currently on offer from home insurance providers on our database.

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. At the time of writing, providers on our database are offering  premium discounts of up to 15% for buying home or contents insurance online. There are also some insurers offering fixed dollar discounts, such as $25 off your premium, if you buy online.

Combined home and contents discounts

You could also get a discount if you combine both home insurance and contents insurance into one policy. Based on insurers on our database, you can currently get a discount of up to 15% on your premiums for combining your insurance. Some insurers may offer a dollar discount.

Another way you could save is with a multi-policy discount. This gives you a discount if you have multiple policies with the one insurer, such as home insurance and car insurance.

Discounts on home & contents insurance

Here are some of the discounts available at the time of writing from providers on Canstar’s database (sorted alphabetically by insurer name). Before applying for a policy, consider checking with the insurer to confirm the details of these offers, including any additional eligibility criteria or other conditions that may apply. Offers may be changed and withdrawn at any time.

1300 Insurance

  • Online discount: Up to 10% off your first year’s premium if you buy a new home insurance policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with 1300 Insurance for T&Cs.

1st for Women

  • Online discount: 30% off your first year’s premium if you buy home and contents insurance online, or 15% off your first year’s premium if you buy home or contents insurance online.

Check with 1st for Women for T&Cs.

AAMI

  • Online discount: $50 off if you buy home and contents insurance online,  $25 off if you buy home or contents insurance, or $5 off if you buy fire and theft contents insurance online.
  • Combined discount: Up to 10%.

Check with AAMI for T&Cs.

Allianz

  • Online discount: Up to 10% off your first year’s premium, including policies with optional cover for accidental damage, flood, motor burnout and portable contents (if selected).
  • Combined discount: Up to 10%.

Check with Allianz for T&Cs.

Apia

  • Online discount: 15%.
  • Combined discount: 10% multi-policy discount for holding two or more eligible policies (includes combined home & contents policies).
  • Plus, when you purchase or renew an eligible home, contents or car insurance policy you will go into the draw to win a $10,000 cash prize. Competition ends 14 December.

Check with Apia for T&Cs.

Aussie

  • Online discount: Up to 10% off your first year’s premium if you buy a new buildings or contents policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with Aussie for T&Cs.

Australian Seniors

  • Online discount: Up to 30% off if you buy home insurance online. This is made up of a 10% online discount for the first policy year, a 10% combined home and contents multi-policy discount and a 10% discount for Seniors Card holders or a 5% discount for non-Seniors Card holders over 50 years old for the life of the policy.

Check with Australian Seniors for T&Cs.

Australian Unity

  • Online discount: Up to 10% off your first year’s premium.

Check with Australian Unity for T&Cs.

Bank of Melbourne

  • Online discount: 15% off your first year’s premium when you obtain a quote and buy online with the promotional code COVER. Plus, save 10% when you combine home and contents insurance under one policy.

Check with Bank of Melbourne for T&Cs.

BankSA

  • Online discount: 15% off your first year’s premium when you obtain a quote and buy online with the promotional code COVER. Plus, save 10% when you combine home and contents insurance under one policy.

Check with BankSA for T&Cs.

Bankwest

  • Combined discount: Up to 15%.

Check with Bankwest for T&Cs.

BOQ

  • Combined discount: 5%.
  • Plus, a 20% discount if you’re over 55 and no longer work full-time.

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 or contents insurance online.

Check with Budget Direct for T&Cs, along with limits and exclusions.

Catholic Church Insurance

  • Online discount: Up to 10% off your first year’s premium, if you buy a new home insurance policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with Catholic Church Insurance for T&Cs.

Coles Insurance

  • Online discount: 10%.
  • Combined discount: 15%.

Check with Coles Insurance for T&Cs.

CommBank

  • Combined discount: Up to 15%.

Check with CommBank for T&Cs.

GIO

  • Online discount: 10%.
  • Combined discount: Up to 15%.
  • Multi-policy discount: 10% 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.

Great Southern Bank

  • Online discount: Up to 10% off your first year’s premium if you buy a new home insurance policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with Great Southern Bank (formerly CUA) for T&Cs.

HSBC

  • Combined discount: Up to 10%.

Check with HSBC for T&Cs.

Hume Bank

  • Online discount: Up to 10% off your first year’s premium if you buy a new home insurance policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with Hume Bank for T&Cs.

ING

  • 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 or contents insurance online.

Check with ING for T&Cs.

Kogan Insurance

  • Online discount: Up to 10% off your first year’s premium.
  • Combined discount: 10% (applies for the life of a combined policy).
  • Plus, you can receive a $50 Kogan.com credit if you buy a combined policy.

Check with Kogan Insurance for T&Cs.

NAB

  • Online discount: Up to 10% off your first year’s premiums.
  • Combined discount: Up to 10%.

Check with NAB for T&Cs.

National Seniors

  • Online discount: Up to 10% off the first year’s premiums if you buy a new home insurance policy online, including optional cover for accidental damage, flood, motor burnout and portable contents (if applicable).
  • Combined discount: Up to 10%.

Check with National Seniors for T&Cs.

NRMA

  • Combined discount: 5% (loyalty discount for new customers when you take out two eligible policies, with a combined home and contents policy counting as two policies). This discount may be larger if you have more policies with NRMA or have a longer relationship with NRMA.

Check with NRMA for T&Cs.

Ozicare

  • Online discount: 30% off your first year’s premium if you buy home and contents insurance online, or 15% off your first year’s premium if you buy home or contents insurance online.

Check with Ozicare for T&Cs.

QBE

  • Online discount: 10%.

Check with QBE for T&Cs.

RAC

  • Online discount: $70 off your first year’s premiums if you buy home and contents insurance online, or $35 off if you buy building, contents or basic contents (fire and theft cover) insurance online.
  • Combined discount: 15%.
  • Plus, existing RAC members can save up to 10% on premiums. 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 a RAC-monitored alarm.

Check with RAC for T&Cs.

RACQ

  • Online discount: $75 off if you buy home and contents insurance online, $50 off if you buy home insurance online, or $25 off if you buy contents insurance online.
  • Combined discount: Up to 13%.
  • Multi-policy discount: If you have three or more insurance policies, get up to 5% off each eligible policy.
  • Plus, RACQ Roadside Assistance members can get up to a 17.5% discount on home and contents insurance (based on membership level).
  • If you have an RACQ Bank home loan, you can get a 15% discount off your home and contents insurance for the life of the loan.

Check with RACQ for T&Cs.

Real Insurance

  • Online discount: 10% off your first year’s premiums if you buy a home and/or contents insurance online. Plus, an additional 10% if you buy a combined policy.

Check with Real Insurance for T&Cs.

SGIC

  • Combined discount: 5% (loyalty discount for new customers if you take out two eligible policies, with a combined home and contents policy counting as two policies). This discount may be larger if you have more policies with SGIC or have a longer relationship with SGIC.

Check with SGIC for T&Cs.

SGIO

  • Combined discount: 5% (loyalty discount for new customers if you take out two eligible policies, with a combined home and contents policy counting as two policies). This discount may be larger if you have more policies with SGIO or have a longer relationship with SGIO.

Check with SGIO for T&Cs.

St.George

  • Online discount: 15% off your first year’s premium when you obtain a quote and buy online with the promotional code COVER. Plus, save 10% when you combine home and contents insurance under one policy.

Check with St.George for T&Cs.

Suncorp

  • Online discount: $100 off if you buy home and contents insurance online, or $50 off if you buy building, contents, landlord or renters insurance online.
  • Multi-policy discount: Combine three or more eligible policies and receive a 15% discount.
  • Plus, receive a 6% discount if you have a Queensland Seniors Card.
  • You can also receive Safety Net Protection free for one year if you take out a new Classic Home Insurance policy. This gives you up to 25% extra cover if your home is damaged in an insured event. Offer available until 28 November, 2021.

Check with Suncorp 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.