The best home insurance in Australia for 2019
![](http://cdn.mozo.com.au/images/atwood/9485/home_insurance_winners_content.jpg)
If, as the old saying goes, your home is where your heart is, then chances are you’ll want to make sure it’s insured for worst case scenarios from fire damage to theft. Of course finding the best home insurance policy to suit you can be tricky. Luckily the Mozo Experts Choice Home Insurance Awards are back for 2019!
“Our awards dive into the detail to compare a huge number of factors to find the products that stand above the rest, whether you're after a policy that priorities generous coverage with our Quality winners, or prioritises price with our Value winners,” said Mozo expert judge, Peter Marshall.
The Mozo Experts Choice Awards are split into two categories: Exceptional Value and Exceptional Quality. To determine the winners, the Mozo experts compared 62 plans for the Exceptional Quality award and 49 plans and over 15,000 customer quotes for the Exceptional Value for Home & Contents Insurance award.
Check out a selection of the winners
Important information on terms, conditions and sub-limits.
Budget Direct - Home & Contents Insurance*
![Thumbnail icon for Budget Direct](http://cdn.mozo.com.au/images/thumbnails/thumb-3656.png)
- 24/7 claims - lodge a claim at any hour of the day or night, 365 days a year
- Optional underinsurance protection on your building
- Save 30% with an online quote
If you’re anxious about protecting your home, your belongings or both then why not check out Budget Direct’s award-winning home insurance policies. Returning 2018 winner Budget Direct was awarded the 2019 Mozo Experts Choice Home Insurance Award for Exceptional Value and the top spot of Insurer of the Year. Budget Direct’s home insurance plans offer up to $20 million legal liability cover and temporary accommodation if your home becomes unliveable as the result of an insured event, such as storms, theft and vandalism. Our experts found that Budget Direct consistently offer lower prices, so why not get a quote and see if you could be paying less to protect what you love.
Youi - Home & Contents Insurance*
![Thumbnail icon for Youi](http://cdn.mozo.com.au/images/thumbnails/thumb-11484.png)
- 24/7 emergency claims assistance
- New for old replacement
- Access discounts through Youi Rewards
Another returning winner, Youi’s home insurance plans impressed the Mozo experts yet again, earning them a 2019 Mozo Experts Choice Award for Exceptional Value. Youi’s award-winning insurance provides legal liability cover up to $20 million and temporary accommodation for up to 12 months, should your home become unliveable as the result of an insured event. So if you’re worried about storms, bush fires or even earthquakes, then you might want to check out Youi’s award-winning cover.
Woolworths - Comprehensive Cover*
![Thumbnail icon for Everyday Insurance from Woolworths](http://cdn.mozo.com.au/images/thumbnails/thumb-12249.png)
- Ability to manage your policy online, with 24 hour emergency assistance
- Save up to 25% when you buy combined Woolies Home and Contents policy online
- Emergency accommodation when you need it most
Woolworths was another insurance provider that stood out when assessing the best insurance deals for 2019, bagging Exceptional Value Awards for both its Home Insurance and Landlord’s Insurance policies. Woolworths’ award-winning home insurance provides cover for fire, theft, water damage or storms. Plus if your home has become uninhabitable due to an event covered in your policy, then Woolworths will provide cover for emergency temporary accommodation, they’ll even cover reasonable costs for your pet pooch or cat’s temporary shelter!
Exceptional Value Awards
For the Exceptional Value Awards, the Mozo experts researched and analysed numerous home insurance plans to determine which providers really were offering the best cover for the best price. Two important factors taken into consideration for home insurance, were flood cover and accidental damage.
Along with Budget Direct, Woolworths and Youi, ING, RAC, Virgin Money and Westpac were also awarded Exceptional Value Awards. Westpac won Exceptional Value Awards for both its Essential Care Home Insurance and Premier Care Home Insurance plans.
Exceptional Quality Awards
While the Exceptional Value Awards are designed to help you find the best price for your home insurance, the Exceptional Quality Awards are for homeowners who want to make sure they’re covered for most eventualities, irrespective of price. The Mozo experts analysed home insurance plans with the most generous range of cover for different events and items, including accidental loss and damage cover, protection against underinsurance and cover for costs associated with big clean-ups and temporary accommodation.
NRMA, SCIC and SGIO earned the Exceptional Quality award for their Home Insurance Plus plans. Westpac managed to bag another win for its Premier Care Home Insurance Plan and ANZ was deemed another worthy winner for its Home Insurance plan.
You can read more about the selection criteria in the 2019 methodology report for the Mozo Experts Choice Awards for Car Insurance, Home Insurance and Landlord Insurance.
Keen to get a better deal on your home insurance?
If you’re interested in signing up to an award-winning home insurance policy then why not check out the full list of Mozo Experts Choice Home Insurance Awards for 2019. Or take a look at Mozo’s home insurance comparison tool to see if you could be paying less to protect what you love.
* 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