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
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
No
- Emergency storage
-
No
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
-
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
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Cash
-
Up to $800 in total
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $12,000
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
-
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
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $7,000 funeral expenses
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Up to 20% of sum insured
- Antiques and valuables
-
Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections
- Cash
-
Up to $800 in total
- Cd dvd and electronic files
-
Up to $3,000 combined with computer software
- Computer software and hardware
-
Hardware yes, software up to $3,000 combined with CDs/DVDs
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Up to $12,000
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set, up to $5,000 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
No
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured combined with debris removal and demolition costs
- Temporary accommodation
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets.
- Temporary accommodation for pets
-
Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation.
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost and emergency storage
- Debris removal
-
Up to 10% of sum insured combined with demolition cost and emergency storage
- Landscaping
-
Yes, garden borders, pathways and paved areas.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
180
- Other restrictions
-
-
- Other benefits
-
-
Your selected home insurance
Budget Direct home insurance ratings
Customer reviews
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Cheap
Cheap and Easy
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Budget for a reason
I recently made my first claim after several years of being with Budget Direct. I quite clearly explained in the claim, which I lodged online, the cause of the problem and the fact that I did not expect them to replace my very old air conditioning unit. After an initial flurry of activity with 2 different trades visiting the house, there has been nothing for 3 weeks. Today I was told that the cause of the problem is not an insurable event and that I shouldn’t expect them to replace the air conditioner. I feel like we could have saved a lot of time and trouble if they had read the claim properly in the first place. I would like to think that if ever I do have a serious issue that they will deal with it promptly and resolve it to my satisfaction but I get the feeling that they will find a way to not have to pay out for any reason.
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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.
FAQs about Budget Direct home insurance
How do I make a claim on my Budget Direct home insurance policy?
To make a claim on your Budget Direct home insurance policy, you can call the provider on 1800 069 336, or make a claim online through the Budget Direct website.
Does Budget Direct home insurance cover hail damage?
Hail is considered part of storm damage, which is a standard inclusion in Budget Direct’s home insurance policy. However, there are circumstances when hail damage is not covered. For example, if you leave a window open during a hail storm, or it gets inside and causes damage to your possessions due to poor craftsmanship, you won’t be eligible to claim the costs on your insurance.
What is the cooling-off period for Budget Direct home insurance?
There is a cooling-off period of 21 days from the issue date of your Budget Direct home insurance policy. In this timeframe, you’re able to cancel your policy and get a full refund if you haven’t made a claim. If you wish to cancel your policy outside of the cooling-off period, Budget Direct may give you a partial refund for the remaining portion of the premium you paid. You may also be charged a $40 early cancellation fee.
How to cancel Budget Direct home insurance
You can cancel your Budget Direct home insurance policy by contacting Budget Direct on 1800 069 336.
Budget Direct products
Home insurance quick links
* 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