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This year’s report contains only good news! Firstly, property crime has been decreasing in Australia since 2001 and we’re now at a decade low. So be sure to say a big thank you to your alarm system, your motion-sensing light, your dog and your Crimsafe screen doors when you get home.

What’s more, premiums for home and contents insurance across Australia have gotten cheaper this year. After the pounding that north Queensland’s taken from cyclones over the past year, it will be
a breath of fresh air for residents to hear that their astronomically high premiums have begun to decrease as well. With Australia set for an El Nino year (El Nino cycles being associated with reduced cyclone activity) premiums will hopefully stay lower.

So what should you be covered for? That depends on whether you choose to insure your home or your contents, or bundle the two together. This report discusses some of the main inclusions you should look for – and some of the less common things you should also include in your policy.

When it comes to choosing a specific policy we’ve taken out a lot of the hard work for you, by comparing features and premiums for 120 different home, contents, and home and contents policies. This year Canstar looked at 120 home and contents insurance products from 49 providers and obtained more than 14,900 individual quotes. We’ve even listed some of the great home and contents apps out there for you to try.


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