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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

Name
Basic Home and Contents Insurance
Everyday Comprehensive Home and Contents Insurance
Black Home and Contents Insurance
  • 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
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Huddle Home and Contents Insurance - last updated: 4 September 2023

binocular icon
What's hot
  • Get a 10% discount when you purchase a combined Home & Contents policy
  • Flexible excess
  • Lodge claims online 24/7
What's not
  • Monthly payments cost a bit extra
Mozo snapshot

Anyone after a combined home and contents insurance with a flexible excess and a nifty 24/7 claims lodgement system 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. 

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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 (with comprehensive cover level), malicious damage, earthquakes and more. 

There are also a bunch of additional benefits worth highlighting, including an environmental benefit, damage to landscaping if it's maliciously damaged, cover for food spoilage and cover for emergency accommodation if your home is damaged due to an insured event under the policy. The environmental benefit will apply if your home needs to be entirely rebuilt. In this situation (as long as the claim is approved), Huddle will pay up to $5,000 under the Comprehensive Cover level towards installing environmental home improvements such as solar panels and rainwater tanks.

You can lodge a claim with Huddle at any time of the day or night through a 24/7 online claims system. Huddle has streamlined and digitised its claims process which would traditionally be paper or phone-based.

With Huddle’s Everyday Comprehensive Home and Contents Insurance, customers can choose one basic excess amount for their home building and a different basic excess amount for their contents. A higher excess may mean lower insurance premiums, but may also mean you have to pay more come claim time.


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 24/7 claims lodgement system.

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Any catches

As with all insurance policies, Huddle’s home and contents insurance come with a number of policy terms, limits and general exclusions. These include damage caused by inherent defects, structural faults, faulty workmanship or faulty design. We suggest reading through the PDS thoroughly, before signing up. It should also be noted that making insurance premium payments in monthly instalments, does cost a bit extra. 

Details

Cover information and limits in the table below correct as at 19 March 2024. 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

200

true

no

10% 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 home 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

Cover information and limits in the table below correct as at 19 March 2024. 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

200

true

no

10% 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 home 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

Cover information and limits in the table below correct as at 19 March 2024. 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

200

true

no

10% 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 home 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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