If you're looking for wide-ranging protection for your home and possessions that not only won two Mozo Experts Choice Awards in 2023 for Exceptional Value Home & Contents and Exceptional Value Landlord Insurance, but also comes with a heap of extra features including temporary accommodation cover, debris removal and extra rebuilding costs, then Budget Direct’s Home and Contents Insurance policy could be the option for you. Add to that a 30% discount on your first year's premium when you sign up online and it’s no wonder that Budget Direct was named our 2023 Value Insurance Provider of the Year.
Budget Direct Home and Contents Insurance will provide cover for your house and valuables for a range of events. The policy will insure you for everything from everyday occurrences like the accidental breakage of glass, to theft and even severe weather events such as lightning strikes and storms, and you’ll even be able to apply for flood cover on your Budget Direct policy as an optional extra.
If your home or contents are damaged or destroyed by an insured event, you’ll rest easy knowing that Budget Direct covers your valuables such as jewellery for up to $1,000 an item (up to $5,000 in total), and artwork for up to $5,000 per item (up to $12,000 in total). Even the contents from your home office will be insured for up to $12,000.
With temporary accommodation cover you’ll also be safe in knowing that your family and pets will have a roof over their heads for up to 12 months (up to 10% of the sum insured) in the event that your home is unliveable due to damage from an insured event.
The Budget Direct Home and Contents Insurance policy also comes with a number of handy extra features like new for old replacement for your belongings and optional personal effects cover for items taken away from the home, plus you’ll be eligible for a 30% policy discount if you sign up online.
When it comes to paying for your policy Budget Direct gives you the option to pay your premium as a lump sum once a year, or in monthly or fortnightly instalments. However, you might be charged an extra fee if you do choose the monthly or fortnightly option.
With extensive cover for a range of events as well as a number of extra and optional features, Budget Direct’s Home and Contents Insurance is a top value option for homeowners looking to get the most out of cover for their home and valuables.
While Budget Direct provides a generous level of cover for a number of possessions, the policy does not cover landscaping costs such as the replacement of trees and shrubs in your garden should they be damaged.
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180 |
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Optional Extra - Up to 25% of building sum insured |
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Yes |
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$100 |
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true |
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no |
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15% discount for combining Home & Contents cover and 15% discount for policies initiated online |
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Yes |
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Up to 90 days, up to 20% of sum insured |
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Up to $1,000 |
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Up to $20,000,000 |
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n/a |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra |
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Yes |
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Optional Extra, up to 10 years old |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $1,000 |
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Yes, garden borders, pathways and paved areas. |
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Yes |
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Up to $800 in total |
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No |
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Up to $3,000 combined with computer software |
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Hardware yes, software up to $3,000 combined with CDs/DVDs |
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Yes |
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Yes |
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Up to $2,500 per item |
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Up to $5,000 per item for artwork, up to $12,000 in total, up to $2,000 for collections |
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Up to $1,000 per item or set, up to $5,000 in total |
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No |
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No |
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No |
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Yes |
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Up to $2,000 |
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No |
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Up to $12,000 |
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Up to $7,000 funeral expenses |
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No |
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Up to $1,000 |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation for pets. |
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Up to 10% of sum insured, up to 12 months. Combined with temporary accommodation. |
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Up to 10% of sum insured combined with debris removal and demolition costs |
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Up to 10% of sum insured combined with demolition cost and emergency storage |
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Up to 10% of sum insured combined with debris removal cost and emergency storage |
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Up to 10% of sum insured |
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Up to 14 days for contents |
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Up to 20% of sum insured |
^See information about the Mozo Expert Choice Home Insurance Awards
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.
Great budget friendly option. Not full coverage but enough to get by.
Read full reviewGreat budget friendly option. Not full coverage but enough to get by.
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
Read full reviewI 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
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.
Read full review2 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.
Online only excellent service. So helpful and good rates.
Read full reviewOnline only excellent service. So helpful and good rates.
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.
Read full reviewMy 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.