Australia’s most trusted home insurance revealed in 2020 Mozo People’s Choice Awards
Once again Australia has voted for its favourite home insurance providers. The people have spoken loud and clear and this time round they’re chanting the names Apia, NRMA, RAC, RACQ, GIO and Youi!
That’s right the long standing Mozo People’s Choice Awards are back. A staple for over a decade, these awards have seen us through times when lounging around at home in low-rise jeans was optional, to the present day when choosing to stay at home and bake bread is actually saving lives.
In fact, with the recent bushfire crisis, flooding and the ongoing global pandemic, it could be argued that home and contents insurance is more relevant in 2020 than it has ever been.
Who voted in the 2020 Mozo People’s Choice Awards for home insurance?
Thousands of Aussies voted in a survey conducted by independent market research company IPSOS, to determine the winners of the Mozo People’s Choice Awards. Among those who voted, more than 2,000 voted for their favourite home insurance provider.
Of the fifty home insurance providers to vote for, six managed to bag an award. Voters judged insurance providers on their overall customer satisfaction, trustworthiness, sign-up process, claims process and finally how likely they were to recommend the insurer to a friend or family member.
The awards up for grabs were:
Customer Satisfaction & Experience
To kick things off, voters were asked to share their opinion on the overall customer satisfaction and experience with each insurance provider.
Apia, NRMA, RAC, RACQ and Youi all came out on top, scooping up Mozo People’s Choice Awards for both Outstanding Customer Satisfaction and Excellent Customer Experience. In fact, these were just two of five home insurance awards RAC and Youi bagged.
Check out our reviews for RAC’s home and contents insurance and Youi’s home and contents insurance for more information about these award winning policies.
Sign-Up & Claims Experience
Three home insurance providers managed to stand out from the crowd when it came to offering a quick and easy sign up process and they were ... *drumroll* ... Apia, NRMA and Youi!
Of those three winners, Apia and NRMA joined GIO and RAC in winning the Excellent Claims Experience Award. Voters were impressed with the way these four insurers dealt with their claim come crunch time.
Check out our reviews for GIO’s home and contents insurance and NRMA’s home and contents insurance here.
Highly Trusted & Most Recommended
Finally, voters shared their opinion on which insurers actually follow through on their promises and which insurers they would be most likely to recommend to a family member or friend.
Apia, NRMA, RAC, RACQ and Youi all brought home (pun intended) the gong for the Mozo People’s Choice Award for most Highly Trusted home insurance provider. It seems that as far as the voters are concerned, these five insurers can be trusted to treat their customers fairly.
Plus, of the five insurers who won the Highly Trusted award, voters would go so far as to recommend four of those to a friend or family member: Apia, NRMA, RAC and Youi.
So there you have it. Beyond all expert opinions, facts, figures and fancy marketing campaigns, the Mozo People’s Choice Awards have once again highlighted which home insurance providers really are walking the walk and talking the talk.
Searching for a home insurance policy but don’t know where to start? Head to our compare home and contents insurance page to see what insurance policies are out there or check out the deals on offer below.
*Read more about how the awards are determined in the Mozo People’s Choice Awards Methodology Report.
Compare home insurance
Home Cover - Buildings & Contents
QBE Home and Contents Insurance can cover your property and belongings in case of fire, storm damage, theft and more. 24/7 friendly and helpful claims service. Up to $30 million legal liability cover. Temporary accommodation costs for up to two years if your home isn’t liveable.
- Main events covered
Fire
Theft
Storm
Flood
- Monthly payments
cost extra
- Yes
- Underinsurance protection
- Optional ExtraUp To 30% Of Buildings Sum Insured, Applied Automatically For Eligible Policies
- New for old
replacement
- Yes
- General contents
- Yes
- Cash
- Up to $800
- Cd dvd and electronic files
- Up to $1,000 for electronic files and software
- Computer software hardware
- Yes - hardware. Up to $1,000 for software.
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $20,000 per item, set or pair of artworks or antiques. Up to $5,000 per collection.
- Jewellery
- Up to $2,500 per item, set or pair
- Replacement of documents
- Up to $800
- Tools of trade
- Up to $5,000
- Contents while moving
- Yes
- Lock replacement
- Up to $2,500
- Temporary accommodation
- Up to 24 months, up to 20% of buildings sum insured combined with temporary accommodation for pets
- Debris removal
- Yes, combined with building costs
- Demolition cost
- Yes, combined with building costs
- Accidental loss and damage
- Optional Extra
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- Up to $2,000
- Landscaping
- No
- Gates and fences
- Yes
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.
Read reviews and learn more about QBE home insurances
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Home & Contents Insurance
Your home might be your most important asset, that’s why Youi like to get to know all about it right from the start. It helps Youi to help you consider the cover that could better suit you. Youi is home insurance that’s a bit more you-shaped. Mozo People’s Outstanding Customer Satisfaction Home Insurance award winner in 2024
- Main events covered
- Fire
- Theft
- Storm
- Flood
- Monthly payments
cost extra - Yes
- Underinsurance protection
- No
- New for old
replacement - Yes
- General contents
- Yes
- Cash
- No
- Cd dvd and electronic files
- Yes, excludes electronic files
- Computer software hardware
- Yes
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Yes
- Jewellery
- Optional Extra, select specific replacement value for each item of jewellery where the individual value is more than $15,000
- Replacement of documents
- No
- Tools of trade
- Optional Extra, up to $1,000 per item , up to $5,000 in total
- Contents while moving
- Up to 20% of sum insured
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 12% of sum insured
- Debris removal
- Up to 20% of sum insured combined with demolition and professional fee costs.
- Demolition cost
- Up to 20% of sum insured combined with debris removal and professional fee costs
- 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
- No
- Gates and fences
- Yes
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.
Read reviews and learn more about Youi home insurances
Home & Contents Insurance
Get covered in just 3 minutes. Receive complimentary $250 smart home sensors to help alert you to avoidable mishaps like fire, theft & water damage. Get rewarded for being smarter, by keeping your sensors active, with a discount of up to 8% every year (T&C’s apply).
- Main events covered
- Fire
- Theft
- Storm
- Flood
- Monthly payments
cost extra - No
- Underinsurance protection
- No
- New for old
replacement - Yes
- General contents
- Yes
- Cash
- Up to $300
- Cd dvd and electronic files
- Up to $5,000
- Computer software hardware
- Hardware yes, software up to $5,000 combined with CDs/DVDs
- Camera and accessories
- Up to $2,000
- Carpets
- Yes - limits apply for carpets over 10 years old
- Antiques and valuables
- Up to $2,000 per item, up to $12,000 in total
- Jewellery
- Up to $2,000 per item, up to $6,000 in total
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $2,000
- Contents while moving
- Yes
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to 20% of sum insured combined with demolition cost
- Demolition cost
- Up to 20% 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
- Yes
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $1,000 for plants
- Gates and fences
- Yes - Up to 50% of the total cost, up to 2km
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.
Read reviews and learn more about honey home insurances
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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 ExtraUp To 25% Of Building Sum Insured
- New for old
replacement - 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
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.
Read reviews and learn more about Budget Direct home insurances
* 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.
^See information about the Mozo Experts Choice Home Insurance Awards