Home Insurance Awards 2019

A huge congrats to the winners of Mozo Experts Choice Awards for Home Insurance for 2019. This year, our Exceptional Value awards recognise home insurance that’s among the best-priced, based on a comparison of prices of thousands of home insurance scenarios. Our Exceptional Quality awards recognise home insurance cover that leads the market in the generosity of additional benefits and flexibility of options - irrespective of price.

Mozo Experts Choice Awards

What are the Mozo Experts Choice Awards?

Now in their sixth year, the Mozo Experts Choice Awards provide a platform to highlight products in the marketplace we believe offer great value to Australians.

For the 2019 Home Insurance awards, the Mozo Experts turned their attention to finding the best policies, collecting pricing for 62 home insurance products.

“The cost of your home insurance will depend on a number of factors like postcode, your home’s size, whether you are in a bushfire or flood prone area and how much you choose to insure your home for,” said Mozo Experts Choice Awards judge AJ Duncanson.

“So, it’s important to compare policies for your particular needs. To help you get there, we’ve crunched the numbers on home insurance providers to find the top contenders for each category and the stand-out offerings they provide.”

For details on how we crunched the numbers and determined the award winners see our methodology report or get more info about our judging criteria and read our FAQs. 

Insurer of the Year


With wins in all three Exceptional Value categories, Budget Direct have been crowned our Insurer of the Year for Home, Car and Landlord insurances for 2019. We found their policies delivered consistently low prices, while maintaining solid cover limits.

The value assessment was based on tens of thousands of quotes, covering a wide range of different customer situations. We found that Australians are more likely to find Budget Direct among the cheapest quotes for their needs, than any other insurer.


Exceptional Value Home & Contents Insurance

Those who received an Exceptional Value award had home and contents insurance policies that are among the best value for the cover they offer.

A home is often a family's most valuable asset, and ensuring it’s appropriately protected from the unthinkable is something important to consider. But, this protection doesn’t have to cost an arm and a leg. The Mozo Experts assessed 49 home and contents insurance policies using more than 15,000 customer quotes and found those below to have prices that are consistently amongst the lowest, when compared to other similar products.

Budget Direct logo

Budget Direct

Home & Contents Insurance

ING logo


Home and Contents Insurance

RAC logo


Home & Contents Insurance

Virgin Money logo

Virgin Money

Home & Contents Insurance

Westpac logo


Essential Care Residential (Home & Contents)

Westpac logo


Home & Contents Insurance

Woolworths logo


Standard Cover

Youi logo


Home & Contents Insurance

Exceptional Quality Home & Contents Insurance

Those who received an Exceptional Quality award were recognised for premium home insurance products that offer the very highest levels of protection and benefits. We compared a vast array of features including the generosity of cover limits, and policy exclusions.

For Home & Contents Insurance our assessment of quality is based on how generously the policy covers you on a large range of different events and items. We assessed 62 policies and awarded the six below.

ANZ logo


Home and Contents Insurance

GIO logo


Platinum Home & Contents

NRMA logo


Home Plus Buildings & Contents Insurance

SGIC logo


Home Plus Buildings & Contents Insurance

SGIO logo


Home Plus Buildings & Contents Insurance

Westpac logo


Home & Contents Insurance

Frequently Asked Questions

What’s the Judging Criteria for the awards?

Running since 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers.

See our methodology report for more detailed information on how we performed the price comparisons and determined the final winners list for the home insurance awards.


Did you compare all home insurance policies in the market for these awards?

We collected pricing and cover information for 62 different home insurance policies. The information collection was conducted in July and August, 2019. To be considered for inclusion in these awards, all information considered must be readily available on the insurer’s website and the policy available to the general public without being a previously established member or customer. Products are considered and awards are made irrespective of a product provider’s commercial relationship with Mozo. We aim to include most providers in the market in the Mozo Experts Choice Awards. However, not every product in the market will be included in our review.


How do I find the cheapest home insurance policy for my house?

You’ll want to check out the winners in the Exceptional Value categories. Our experts crunched the data on a range of customer scenarios and these were the insurers and policies that were great value when compared to similar products.

It’s important to understand that several factors go into determining the cost of home insurance, such as your home’s size, construction materials and location. So, you’ll still need to do some comparing of features and options to find a policy that is right for you and then get quotes, so that you can compare the price.


What product features or benefits did you consider for the Exceptional Quality Awards?

Our assessment of Quality is based on how well the product scores on a large range of different factors including the nature and extent of the insurance cover, and the inclusion of added benefits. Overall results are weighted towards accidental loss and damage, underinsurance protections and new for old replacement policies. The full list of factors considered is included in our methodology report. We relied on product information in each insurer’s product disclosure statements, and on their websites, to assess cover and benefits. 


Who are Mozo’s experts?

The Mozo Experts Choice Awards analysis is overseen by AJ Duncanson, Mozo’s Data Services Director. AJ is a data scientist and actuary, and has worked in financial services and product comparison for almost three decades. Together with our Product Data Manager, Peter Marshall, the team has over 50 years of financial services experience.


I work for an insurer, how do we promote our win?

Please get in touch with us to discuss by emailing or phoning our account management team on 02 9037 4368.