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Huddle Home and Contents Insurance

Advertiser disclosure

The details shown below are for the Basic Home and Contents Insurance

The details shown below are for the Everyday Comprehensive Home and Contents Insurance

The details shown below are for the Black Home and Contents Insurance

Choose the version of this product that suits you best

  • Basic Home and Contents Insurance

  • Everyday Comprehensive Home and Contents Insurance

  • Black Home and Contents Insurance

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Go to site
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Huddle Home and Contents Insurance - last updated: 2 November 2021

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What's hot
  • Up to 20% discount (conditions apply)
  • Flexible excess
  • Lodge claims 24/7 via the Zap app
What's not
  • Monthly payments cost extra
Mozo snapshot

Anyone after a combined home and contents insurance with a flexible excess and a nifty 24/7 claims app may be interested to read about Huddle’s Everyday Comprehensive policy. The policy combines home building and home contents insurance, covering events such as natural disasters, theft and malicious damage. Plus, at the moment new customers can bag as much as a 20% discount off their first year’s premium (more about the discount T&Cs below).

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Key features

Huddle’s Everyday Comprehensive Home and Contents Insurance conveniently combines home building and contents cover together. The policy includes cover for loss or damage caused by events such as flooding, storms, theft, accidental damage, malicious damage, earthquakes and more. 

There are also a bunch of additional benefits worth highlighting, including an environmental benefit, cover for visitor’s contents, cover for when you move house and emergency storage cover. The environmental benefit may apply if your home needs to be entirely rebuilt. In this situation (and granted the claim is eligible), Huddle will pay up to $5,000 towards installing environmental home improvements - e.g. solar panels and rainwater tanks.

Claims can be lodged with Huddle 24/7 via the Zapp app. Huddle says Zap can usually resolve fairly straightforward claims within minutes! According to Huddle, Zap can approve simple claims and start organising repairs. Or if a claim is a little more complicated, Zap can arrange help with a human. Some claims that can be lodged with Zap include claims for broken glass, accidents, lost items and impact damage. 

With Huddle’s home insurance policy customers can choose an excess from $250 to $1,000. A higher excess may mean lower insurance premiums, but may also mean you have to pay more come claim time.

Finally, Huddle is currently offering eligible new customers up to 20% off their first year’s premium! The discount consists of a 10% new policy discount and a 10% discount for purchasing home building and contents insurance together. Other terms and conditions may apply.

snapshot
Who is it good for

Huddle’s Everyday Comprehensive Home and Contents Insurance may be a good fit for someone keen to bundle their building and contents cover together. It might also be of interest to the tech-savvy who want to make use of a nifty claims app, such as Zapp.

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Any catches

As with all insurance policies, Huddle’s home and contents insurance come with a number of general exclusions. These include damage caused by ‘actions of the sea.’ We recommend reading through the PDS thoroughly, before signing up. It should also be noted that making insurance premium payments in monthly instalments, may cost a bit extra. 

Details

Rates and fees information correct as at 29 June 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

100

No

Yes

600

true

no

20% combined home and contents discount

Yes

Optional Extra

Up to $1,000 per item, total $4,000

20000000

n/a

n/a

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Yes

Up to $750

Yes

Contents

Up to $250

Up to $2,500

$1000 per item, up to $2,500 per collection

$1000 per item, up to $2,500 per collection

Yes

Yes

$1,000 per item, up to $2,500 per collection

$1,000 per item, up to $2,500 per collection

$1,000 per item,. up to $2,500 per collection

No

Up to $500

No

Yes

Only Home Office contents, up to $2,500

No

Up to $2,500

Other cover

Up to $7,500

No

Up to $750

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

No

Up to 14 days

Up to 20% of sum insured

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.

Details

Rates and fees information correct as at 29 June 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

100

No

Yes

600

true

no

20% combined home and contents discount

Yes

Optional Extra

Up to $2,000 per item, total $8,000

20000000

n/a

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Yes

Up to $1,500

Yes

Contents

Up to $500

Up to $5,000

$1,000 per item, up to $5,000 per collection

$1,000 per item, up to $5,000 per collection

Yes

Yes

$1,000 per item, up to $5,000 per collection

$1,000 per item,. up to $5,000 per collection

$1,000 per item,. up to $5,000 per collection

No

Up to $1,000

No

Yes

Only Home Office contents, up to $5,000

No

Up to $5,000

Other cover

Up to $10,000

No

Up to $1,500

Up to 12 months, up to 10% of sum insured

No

Up to 15% of sum insured

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

No

Up to 14 days

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.

Details

Rates and fees information correct as at 29 June 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

100

No

Yes

600

true

no

20% combined home and contents discount

Yes

Optional Extra

Up to $2,000 per item, total $8,000

30000000

n/a

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000, if <10 years old

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Buildings

Yes

Yes

Up to $5,000

Yes

Contents

Up to $1,000

Up to $5,000

$2,000 per item, up to $5,000 per collection

$2,000 per item, up to $5,000 per collection

Yes

Yes

$10,000 per item, pair or set up to 20% of your contents sum

$10,000 per item, pair or set up to 20% of your contents sum insured

$10,000 per item, pair or set up to 20% of your contents sum insured

No

Up to $1,000

No

Yes

Only Home Office contents, up to $10,000

No

Up to $10,000

Other cover

Up to $10,000

No

Up to $1,500

Up to 20% of sum insured

No

Up to 15% of sum insured

Up to 20% of sum insured combined with demolition cost

Up to 20% of sum insured combined with debris removal cost

No

Up to 14 days

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.

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