Home Insurance Mozo Experts Choice Awards 2025

Mozo Experts Choice Home Insurance Awards Methodology

How did we choose the winners of the 2025 Mozo Experts Choice Home Insurance Awards?

Our approach to insurance awards is to seek out and reward:

• Exceptional Value - Insurance that’s among the best-priced for the main features it offers, based on a comparison of prices for selected customer scenarios.

• Exceptional Quality - Insurance cover that leads the market in the generosity of additional benefits and flexibility of options - irrespective of price. 

Analysis is based on premium prices from July 2025 and policy features as of July - August 2025.

Australia's Best and Highly Commended Insurer Awards

We have identified the best providers across the Car, Home & Contents, Landlord assessments, naming them as Australia's Best Insurer, and those performing very competitively as Highly Commended Insurers. The following winners have demonstrated outstanding performance in multiple categories, making them worthy of consideration across car and home insurance.

Australia's best insurers

• AAMI is a standout amongst the competition in home insurance, with the Complete Protection optional underinsurance protection allowing home owners to forgo sublimits imposed on Building cover. This policy feature boosted AAMI’s ranking in the Home Insurance quality assessment while also performing well in the value calculations - making AAMI Australia’s Best Home Insurer this year.

• Budget Direct has once again been crowned our Australia’s Best Value Insurer for 2025. This marks seven years in a row for Budget Direct has taken out one of our major awards. Their insurance policies continue to deliver low prices while maintaining solid cover limits according to our assessment and are worthy of consideration for anyone where value for money is a key consideration when purchasing  insurance.

• NRMA Insurance has been recognised as Australia's Best Quality Insurer for outstanding features and coverage in car and home insurance. Their dedication to providing top-tier protection is highlighted by their success in winning four prestigious insurance quality awards.

See our monthly round-up of the best home insurance deals.

Highly Commended Insurer

• Earning a Highly Commended Insurer award, ING performed very well with multiple wins in Exceptional Value Young Driver Car, Home & Contents Insurance categories as well as picking up an Exceptional Quality Landlord Insurance Award. 

• Suncorp took out an impressive range of wins in Exceptional Quality - Car, Home & Contents, Contents and Landlord Insurance and Exceptional Value in Senior Driver, and Contents Insurance categories. With the range of cover levels available, customers will find value from this Highly Commended Insurer.

Exceptional Value Awards Criteria

Our assessment of value is based on a comparison of quotes for over 5,000 unique customer scenarios for home insurance and over 7,000 for contents insurance. For each product, we found the proportion of customer scenarios where they would rank as the cheapest, indicating a product is well-priced for a wide range of customers.

To compare prices among products that offer broadly similar levels of cover, we performed the quote comparisons three times: 

1.  A comparison of all products in our pricing dataset to find the very cheapest offerings. In this comparison we assumed no optional extras were taken, and that premiums were paid annually. For car insurance, we also analysed pay-as-you-drive quotes alongside regular quotes.
2. A comparison of products that included the options for flood cover and accidental damage. In this second comparison we assumed optional extras were taken up where necessary, and that premiums were paid annually. 
3. A comparison of products that achieved a very high score in our Quality Awards assessment - as described in the next section.

 We awarded Exceptional Value Awards to products that scored highly in each of the three comparisons.

Exceptional Quality Awards Criteria

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, the inclusion of added benefits. The assessment of cover relied on product information in each insurance company's Product Disclosure Statements and published on websites. 

Factors considered in the Home & Contents Quality awards:

• Accidental breakage of glass
• Accidental loss and damage
• Away from home
• Building materials
• Changing address
• Computer software/hardware
• Contents while moving
• Credit card
• Days unoccupied until cover stops
• Death and injury
• Debris removal
• Demolition cost
• Emergency storage
• Fusion
• Gates and fences
• Home office contents
• Identity theft
• Jewellery
• Landscaping
• Legal liability cover
• Lock replacement
• New for old
• Open air contents
• Personal medical equipment
• Power surge
• Stock and inventory
• Storm surge
• Temporary accommodation
• Temporary accommodation for pets
• Temporary repairs
• Tools of trade
• Underinsurance protection
• Veterinary expenses

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

How we manage conflicts of interest 

Mozo Experts Choice Awards are awarded irrespective of a product provider’s commercial relationship with Mozo. The Awards are based on objective verifiable facts and analysis wherever possible, and any assumptions made are set out in this report. Mozo’s research team analyses product data and determines the winners in each Mozo Experts Choice category without reference to Mozo’s sales or commercial functions. 

Providers do not pay to enter the Mozo Experts Choice Awards. 

Should a winning provider wish to use the Mozo Experts Choice Awards badges in their own marketing activities, Mozo charges them a license fee.