When the unexpected occurs, you want to be sure you are covered for the things you need most and home insurance is one of those things most Australians can’t live without.
“With the unpredictability of natural disasters and the unexpected that can occur in day to day life, it’s little wonder so many Australians are seeking out home insurance for their abode and the belongings inside of it,” said Peter Marshall, Mozo People’s Choice Awards adjudicator.
“In this year’s awards, we surveyed over 2,500 Australians about how their home insurance policies are performing. The insurance providers with the highest scores were crowned the winners of the Mozo People’s Choice Awards for Home Insurance.”
RAA has been providing motor, home and travel services to their members in South Australia and Broken Hill for over a century.
Whether you’re in the market for home, contents, or home and contents insurance combined, RAA’s aim is to get life back to normal as possible. The insurance company offers 10 % discounts for seniors and multiple policyholders (when you hold 3 or more policies, T&Cs apply).
This year, RAA took out an incredible 4 awards for the home insurance category and has been a consistent People’s Choice Award winner since 2013. To check out the policies RAA has to offer, see below.
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Home & Contents Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Contents Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Home Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
Apia has been providing customers with great value products for over 30 years. The company specialises in insurance products ranging from home and contents, car, boat, funeral and health insurance for Australians aged over 50 years of age.
Apia has home and property cover for both homeowners and investors. You can get cover for both your home and contents, contents only or take out a landlord only policy. If you purchase your home and contents policy online you can get a 15% discount (terms and conditions apply)
This year, Apia took out an award for Excellent Customer Service. To find out what Apia has to offer, see below.
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Home & Contents Extra Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Contents Extra Insurance
- New for Old
- Yes
- Accidental loss and damage
- Yes
Home Extra Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
Apartment Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Youi opened its doors in 2008, and is no stranger to the Mozo People’s Choice Awards winners list. It is a customer-focused brand that tailors its home and building insurance policies to suit the needs of its customers with standard cover levels and optional extras should you need extra cover for things like your pets or cover for accidental damage.
Youi offers a combine and save feature when you bundle your policies (T&Cs apply), 24/7 claims support and flexible excess so you can choose an option that works best for your hip pocket. There are exclusions and coverage limits for all policy types so be sure that you read the full PDS to make sure that its policy will cover you for the things important to you.
To learn more about Youi has to offer, see some of its products below.
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Home & Contents Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Contents Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Home Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
RAC was created by a bunch of motoring enthusiasts back in 1905 and now has over one million members in WA. Whether you’re a homeowner, renter or landlord, having the right cover for your property is important. RAC offers online discounts, savings for multiple policies, a local claims team and other benefits that have made the company a standout to Western Australians.
RAC scooped an award in every category in this year’s home insurance breakdown. See below for some of the policy options available.
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Home & Contents Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Contents Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Home Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
Established in 1903, RACV Home Insurance has been a trusted name in protecting Australian homes for years, offering comprehensive coverage and peace of mind to homeowners across the state of Victoria.
Renowned for their reliability and trustworthiness, RACV Home Insurance has been recognised with multiple awards in the 2024 Mozo People's Choice Awards.
Recognised for Outstanding Customer Satisfaction, Excellent Customer Service, Highly Trusted, and Most Recommended, RACV stands as a testament to their dedication to serving their customers' needs.
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Home Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Home Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Home Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
RACQ has proudly served Queenslanders for over 115 years. As a mutual organisation, RACQ is Queensland’s largest club with 1.7 million members. RACQ prides itself in offering those from the sunshine state, quality home insurance, whether you’re a homeowner, are paying rent or you are a landlord.
Winning back to back Mozo People’s Choice Awards since 2016, this year RACQ scored five awards in the home insurance category. See some of the policy options available from RACQ include:
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Home & Contents Insurance
- New for Old
- Yes
- Underinsurance protection
- No
Contents Insurance
- New for Old
- Yes
- Accidental loss and damage
- Optional Extra
Home Insurance
- New for Old
- Yes
- Buildings and structural improvements
- Yes
FAQs
How many home insurance providers were considered for the Mozo People’s Choice Awards?
There were 40 home insurance providers that competed for the awards in 2024. To find out who qualified see our methodology report.
How did you determine the winners for each Home Insurance Award?
Over 2,638 Australians were surveyed in the home insurance category. In each category, all providers who received at least 30 responses were eligible. The judges then ranked providers in order by average rating, and then determined an appropriate cut-off point to separate winners from the rest. More information can be found in our Mozo People’s Choice Awards methodology report.
Who offers the best home insurance in Australia?
This can be a tricky question to answer, as the best home insurance for each person depends on a range of factors and your budget. But if you're looking for somewhere to begin researching your options, our winners list is a great place to start, having been chosen by real Australians to determine those that they, as customers, loved most.
I work for one of the winning providers. How can we promote our award win?
Congrats to you! We have a range of promotional options available, please get in touch with our account management team.