When the unexpected occurs, you want to be sure you are covered for the things that are most important to you and home insurance is one of those things most Australians can’t live without.
“Whether it’s flood, fire or theft, having the best home insurance for your humble abode and the belongings inside of it is of importance,” said Peter Marshall, Mozo People’s Choice Awards adjudicator.
“In this year’s awards, we surveyed over 2,200 Australians about how their home insurance policies are performing. Those insurance providers that were rated the highest were the winners of the Mozo People’s Choice Awards for Home Insurance 2023.”
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 impressively took out an award in every single category. To find out what Apia has to offer, see below.
RAA has been providing quality 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 5 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.
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.
For over 90 years, NRMA have been protecting Australians for things like home, car, business and their travels. Backed by IAG, the largest general insurer in Australia and New Zealand, NRMA is a long-standing provider that has built a name for itself amongst Aussies all over the country.
NRMA offers various types of insurance including home, home and contents and more to meet the needs of Australian home owners.
Winning four awards in this year’s line up, NRMA has been a popular name in our winners list since 2012. To learn what else NRMA has on offer, see below.
RAC was created by a bunch of motoring enthusiasts back in1905 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 awards in the Highly Trusted and Most Recommended categories in this year’s home insurance breakdown. See below for some of the policy options available.
RACV started in 1903 and now has more than two million members to its name. Providing Victorians with a range of insurance options to protect them against the everyday, make them a favourite to Victorians in the market for car insurance. RACV has an Australian-based customer service team, exclusive discounts for RACV members like savings on attraction tickets, gift cards and more, plus, you can save on the price of your premium when you pay annually.
Winning an award for Outstanding Customer Satisfaction, RACV is a popular choice for Victorians. To find out what other products RACV offers, see below.
Youi opened its doors in 2008, and is no stranger to the Mozo People’s Choice Awards winners list, winning in 2023 for Outstanding Customer Satisfaction. 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 what Youi has to offer, see some of its products below
RACT has been a part of the Tasmanian community for 100 years. Since forming in 1923, they’ve always had the same purpose – to be Tasmania’s shoulder to lean on and voice when it matters.
RACT offers home and contents insurance for both homeowners and investors looking to protect their most prized assets.
This year, RACT took out an award for Excellent Customer Service. To learn more about what RACT has to offer, see below.
GIO is a well-known Australian general insurance provider. In addition to providing home and contents insurance it also offers car, travel and life insurance. There are three home insurance options to choose from: combined home and contents insurance, home only insurance and contents only insurance. It also offers three levels of cover, so depending on your budget and home insurance needs you can choose one that best matches your needs. It offers multi policy discounts and has a 24/7 claims team. Refer to the product disclosure statement for the list of full features and exclusions.
This year, GIO was an Aussie favourite for Sign-Up Experience. To see what GIO has to offer, see below.
There were 42 different home insurance providers rated by survey respondents in the 2023 Mozo People’s Choice Awards. To see the full list of brands, see our People’s Choice Methodology Report.
Over 2,200 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 methodology report.
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.
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