Home Buildings Insurance
Get award-winning Home and Contents Insurance at a price you can afford from Budget Direct. Save a huge 15% on your first year’s premium when you purchase a new combined Home Buildings Insurance policy online.
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- No
- Temporary accommodation
- Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- Up to $1,000
- Landscaping
- Yes, garden borders, pathways and paved areas.
- Gates and fences
- Yes
Contents Insurance
Get award-winning Contents Insurance at a price you can afford from Budget Direct. Save a huge 15% on your first year’s premium when you purchase a new Contents Insurance policy online.
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $800 in total
- Cd dvd and electronic files
- Up to $3,000 combined with computer software
- Computer software hardware
- Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Jewellery
- Up to $1,000 per item or set, up to $5,000 in total
- Replacement of documents
- No
- Tools of trade
- Up to $2,000
- Contents while moving
- Up to 20% of sum insured
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Debris removal
- No
- Demolition cost
- No
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Mozo experts choice awards won:
- Exceptional Value Home & Contents Insurance - 2024
Home & Contents Insurance
Get award-winning Home and Contents Insurance at a price you can afford from Budget Direct. Save a huge 30% on your first year’s premium when you purchase a new combined Home and Contents Insurance policy online.
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Optional Extra - Up to 25% of building sum insured
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Optional Extra
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $800 in total
- Cd dvd and electronic files
- Up to $3,000 combined with computer software
- Computer software hardware
- Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Jewellery
- Up to $1,000 per item or set, up to $5,000 in total
- Replacement of documents
- No
- Tools of trade
- Up to $2,000
- Contents while moving
- Up to 20% of sum insured
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Debris removal
- Up to 10% of sum insured combined with demolition cost and emergency storage
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost and emergency storage
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- Up to $1,000
- Landscaping
- Yes, garden borders, pathways and paved areas.
- Gates and fences
- Yes
Your selected home insurance
Budget Direct home insurance ratings
Customer reviews
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Good without being great.
Great budget friendly option. Not full coverage but enough to get by.
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Not very budget friendly
I used to have my car and contents with Budget Direct for many years, but after a small claim for accidental damage to a pair of glasses they bumped my yearly premium up by over $600. I no longer have any of my insurance with Budget Direct.
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Not covering important events within there policy'
I have had insurance with budget direct insurance for over 5 years and found that they don't cover ground substance damage which can only be described as an act of God which should be covered by repterbale insurance company's and the cost of insurance went up over $700 in one year alone and don't give pensioner discount to pensioner's
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Bad experience imbeciles clowns liars
This company are bunch of clowns lying imbeciles they take your money and when U make a claim they do their dirty tricks with Excuses Not to cover Your Claim and their workers lie to the customers , Bad company bunch of clowns liars dirty tricks don't waste your money
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Save your money and go elsewhere
2 claims and this company has tried to weasel out of both. Absolute joke. Over a week between responses, leaves dangerous areas unattended to, ignores questions. Save your money and go elsewhere.
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cheap seem to be good but have not had a claim
Budget direct have been fine I have used them for years for multiple products however have never had to have a claim. they have been the best price that I can find for car and home insurance. I think I have talked on the phone a few times and have not had a negative experience
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Lousy customer service for client traveling overs
Budget Direct failed to direct debit my house insurance while I was overseas. I suspected the problem was the expiry date of my visa card. I could not login to my BD account from overseas because they were trying to send an auhorisation code to my Australian phone which does not work outside of Australia. On online chat I gave a BD rep my updated visa card expiry date. He kept trying a direct debit with the old incorrect date, finally admitted he could not update my card details. Kept asking me to phone BD even though he knew I had no phone. Lousy customer service!
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Easy
Online only excellent service. So helpful and good rates.
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Don't waste your time
We are constantly bombarded with advertisements on TV for this company - so I decided to get a quote for Home and Contents insurance. After filling in my residential address I immediately received a notification that they "do Not offer insurance" in this area. Why then, do they constantly advertise in Far North Queensland if they don't offer insurance. I also checked their Car insurance - and their premium was far in excess of what I'm currently paying.
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My fortunate call to Budget Direct was worth lots.
My home and contents insurance went up and I did a comparison. Then I phoned Budget Direct and told them the quoted price and was thinking of changing. The customer service officer then checked what I could change and the quote was $32 cheaper than before. This was exactly what I wanted and took the offer up directly.I was ecstatic with this new price and so glad I phoned. The operator was friendly, knowledgeable and knew what I wanted. She explained everything in layman terms and the call didn't take too long. I was so grateful and happy with Budget Direct. A great insurance agency by my standards.
Budget Direct products
Home insurance quick links
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^See information about the Mozo Experts Choice Home Insurance Awards