Shannons home insurance

Shannons is Australia's leading insurance provider for motoring enthusiasts, but can also protect your home and contents with their policies too.

Great features include new for old replacement, enthusiast items cover, flood cover and various cover options to suit your particular needs.

Shannons offers the following home insurance

Cover information and limits in the table below verified as correct at 16 April 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Home & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

How is Shannons home insurance rated?

Mozo users have rated Shannons home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
Shannons home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

49 Reviews

Recent Shannons home insurance reviews

Shannons Contents Insurance
Overall 1/10
STAY AWAY, KEEP CLEAR, AVOID AT ALL COSTS

AVOID AT ALL COSTS. We didn't believe the negative reviews given to Shannons before we took out both contents and car insurance with them. Bad mistake. I spent over an hour on the phone - most of which I was so she could converse with her superiors ( now I know why). They were trying to work out a way to get out of paying up for a theft claim. They couldn't deny it. We had a police report, number, statement and follow up police reports for them . then they said they wouldn't put it though as a theft because their system didn't update my address properly - which they apologised and said it wasn't my fault... it was theirs. So they would put it through as an unspecified personal effect.....which they then said because it wasn't a thing that was carried around every single day, it wasn't covered. The are great at sucking the $$$ outof you, but give nothing in return. I am cancelling all policies with them. I'm just glad I haven't had to deal with them with the car..... STAY AWAY FROM THEM

Read full review

AVOID AT ALL COSTS. We didn't believe the negative reviews given to Shannons before we took out both contents and car insurance with them. Bad mistake. I spent over an hour on the phone - most of which I was so she could converse with her superiors ( now I know why). They were trying to work out a way to get out of paying up for a theft claim. They couldn't deny it. We had a police report, number, statement and follow up police reports for them . then they said they wouldn't put it though as a theft because their system didn't update my address properly - which they apologised and said it wasn't my fault... it was theirs. So they would put it through as an unspecified personal effect.....which they then said because it wasn't a thing that was carried around every single day, it wasn't covered. The are great at sucking the $$$ outof you, but give nothing in return. I am cancelling all policies with them. I'm just glad I haven't had to deal with them with the car..... STAY AWAY FROM THEM

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Tammy, Western Australia, reviewed 6 months ago
Shannons Home Insurance
Overall 1/10
SHANNONS TOTAL DISGRACE

I have had a water pipe burst in the roof, wetting a book shelf containing photo albums, books and computers. I have baby photos completely ruined. After 1 month i have still not spoken to my case manager. Shannons have organized to fix and replace everything that can be done easily. They have totally ignored every request i have made in writing and over the phone to put me in touch with my case manager so i can get my photos looked at and restored. I have spoken with no less than 6 different claims managers and all have told me that they will contact my claims manager via email and phone. WORST COMPANY EVER.

Read full review

I have had a water pipe burst in the roof, wetting a book shelf containing photo albums, books and computers. I have baby photos completely ruined. After 1 month i have still not spoken to my case manager. Shannons have organized to fix and replace everything that can be done easily. They have totally ignored every request i have made in writing and over the phone to put me in touch with my case manager so i can get my photos looked at and restored. I have spoken with no less than 6 different claims managers and all have told me that they will contact my claims manager via email and phone. WORST COMPANY EVER.

Value for money
5/10
Policy coverage
8/10
Customer service
4/10
Claims handling
1/10
Trust
1/10
Less
Stephen, Victoria, reviewed 9 months ago
Shannons Home & Contents Insurance
Overall 1/10
30% more expensive than comparable policies

After being customer for many years without any claims, the premium increased to $3300, we decided ti look around and found a policy with seniors ins that covered the same things, for same value and same excesses, for $1300 cheaper than Shannon's, I contacted Shannon's about this and was told that they cannot adjust or discount the policy Very disappointing Shannon's, no loyalty at all.

Read full review

After being customer for many years without any claims, the premium increased to $3300, we decided ti look around and found a policy with seniors ins that covered the same things, for same value and same excesses, for $1300 cheaper than Shannon's, I contacted Shannon's about this and was told that they cannot adjust or discount the policy Very disappointing Shannon's, no loyalty at all.

Value for money
1/10
Trust
1/10
Less
Sharyn, New South Wales, reviewed 11 months ago
Shannons Home & Contents Insurance
Overall 1/10
A terrible company that puts policy before people

I was with Shannons for several years and was quite satisfied at first, but in time, this company revealed an underlying structure full of poor procedures and protocols, its assessment teams hide behind policy guidelines and in no way demonstrate empathy for their policy owners. From the outset, we were taken in by a product called "Accidental Loss or Damage protection". Knowing that it is quite feasible to experience multiple situations where items may be lost or damaged, I asked the Shannons representative what the maximum number of claims would be." She responded that there isn't any limit and that providing it was all genuinely above board you can't be penalized for "bad luck". In due course, we made several legitimate claims for items that were lost or damaged. Also over that time there was a cyclone and our home was burglarized. Suddenly I receive an email from Shannons stating that as I have exceeded their maximum claims limit, they would not be renewing our policy. I wrote a desperate plea to Shannons laying down my case that I was given erroneous information by a Shannons Rep, that even when the claims were over the limit their assessment teams still approved further claims instead of refusing them on this basis, which would have been far more bareable than having a policy cancelled. The response I received was so impersonal, she hid behind company guidelines, that I had exceeded the company's 'maximum number claims limit" and used it to justify why she had chosen not to reconsider our situation. Incidentally, I haven't yet seen where this has been explicitly stated on the policy. She didn't reply to any of my concerns presented in a rather lengthy letter, instead, she merely stated, "My justification is within our own business underwriting guidelines that are not something that can be shared in more detail other than what I have explained" A total smoke screen! My home and contents have now been completely uninsured for 6 months. I have attempted to find alternative insurance but no company will insure me on the basis that I now have too many claims over the past 5 years. My son walks about the house every evening when we've gone to bed, concerned about the possibility of a fire and checks every switch and power cord, It's very emotionally draining for him and us. Shannons were cold and impersonal and offered nothing to ameliorate the problem. I posed a variety of options to them, ie, just whole house insurance in the event of a fire with perhaps a much higher excess, but Shannons is not even willing to give a response beyond, "Sorry sir, you have exceeded the maximum number of claims over a 5 year period" Please, do yourself a favour, avoid Shannons and find an insurance company that puts people before policy.

Read full review

I was with Shannons for several years and was quite satisfied at first, but in time, this company revealed an underlying structure full of poor procedures and protocols, its assessment teams hide behind policy guidelines and in no way demonstrate empathy for their policy owners. From the outset, we were taken in by a product called "Accidental Loss or Damage protection". Knowing that it is quite feasible to experience multiple situations where items may be lost or damaged, I asked the Shannons representative what the maximum number of claims would be." She responded that there isn't any limit and that providing it was all genuinely above board you can't be penalized for "bad luck". In due course, we made several legitimate claims for items that were lost or damaged. Also over that time there was a cyclone and our home was burglarized. Suddenly I receive an email from Shannons stating that as I have exceeded their maximum claims limit, they would not be renewing our policy. I wrote a desperate plea to Shannons laying down my case that I was given erroneous information by a Shannons Rep, that even when the claims were over the limit their assessment teams still approved further claims instead of refusing them on this basis, which would have been far more bareable than having a policy cancelled. The response I received was so impersonal, she hid behind company guidelines, that I had exceeded the company's 'maximum number claims limit" and used it to justify why she had chosen not to reconsider our situation. Incidentally, I haven't yet seen where this has been explicitly stated on the policy. She didn't reply to any of my concerns presented in a rather lengthy letter, instead, she merely stated, "My justification is within our own business underwriting guidelines that are not something that can be shared in more detail other than what I have explained" A total smoke screen! My home and contents have now been completely uninsured for 6 months. I have attempted to find alternative insurance but no company will insure me on the basis that I now have too many claims over the past 5 years. My son walks about the house every evening when we've gone to bed, concerned about the possibility of a fire and checks every switch and power cord, It's very emotionally draining for him and us. Shannons were cold and impersonal and offered nothing to ameliorate the problem. I posed a variety of options to them, ie, just whole house insurance in the event of a fire with perhaps a much higher excess, but Shannons is not even willing to give a response beyond, "Sorry sir, you have exceeded the maximum number of claims over a 5 year period" Please, do yourself a favour, avoid Shannons and find an insurance company that puts people before policy.

Value for money
3/10
Customer service
1/10
Claims handling
2/10
Trust
1/10
Less
James, Queensland, reviewed over 1 year ago
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