FREE content in this report


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How insurance works


We explain types of policies, excesses and levies. Read more

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Making a claim


Our tips for making a successful claim. Read more

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Natural hazards


What you should know about earthquake, flood and storm cover. Read more


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  • Compare policy cover and price for 5 consumer profiles in our interactive databases
  • Our picks of the best policies for a range of circumstances
  • 10 insurance traps to avoid and our tips on ways to save


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Insurance companies are changing the way they calculate house insurance premiums but it’s still important to shop around.

We asked 13 insurance companies to provide quotes for 4 consumer profiles at various locations. We assessed their house and contents insurance policies and over 300 quotes to find the best deals.

Although premiums are changing, our picks for each profile offer a combination of good cover and good price.