North Queensland home insurance
In recent times, North Queensland has been severely impacted by natural disasters including cyclones and floods, and these disasters have contributed to rising insurance premiums.
This website is an Australian Government initiative designed to help North Queensland residents compare some home insurance policies and indicative premiums offered in North Queensland.
For this site, North Queensland is the area of Queensland north of the Tropic of Capricorn (latitude 23 degrees 30 minutes south).
IMPORTANT INFORMATION: You must read before you can proceed
- Comparison results are indicative only: they do not take into account your particular circumstances or your specific property, and actual quotes may be significantly different (higher or lower). Results are not an offer of insurance.
- Don't focus only on premiums: you should consider coverage and policy features when deciding which policy best suits your needs.
- Policy features on this site are summaries and not complete: you should refer to information available directly from each insurer (including Key Facts Sheet, Product Disclosure Statement and other policy documentation) for complete details.
- Market coverage: this site does not include information for all North Queensland home insurers
- Point in time information: policy features and indicative quotes on this site are collected at a point in time. Refer to the FAQ on "How up to date is the information on this site?" for more information.
- More information: assumptions and disclaimers must be read in conjunction with using this website.
Compare sample policies
Select from the drop-down options below to compare some North Queensland home insurance policies
Compare sample policies
I understand the important information (in the orange box) above.
Postcode or suburb:Provide the postcode or suburb of your property.
Results will be based on your suburb however in less populated locations results may be based on your postcode area.
Insurance type:Choose the type of insurance you are seeking to compare.
This tool does not compare combined building and contents insurance.
Are you an owner occupier or a
renter?:Renter will be based on a sum insured of $35,000.
Is your property a detached house or a unit?Detached house for this website does not include terraces or semi-detached homes.
Unit will be based on a sum insured of $40,000.
Building sum insured:Buildings sum insured should reflect the amount it would cost to completely re-build your house. Having trouble working out your sum insured? Visit the Understand Insurance: Building Calculator
Building construction date:The year your building was constructed
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Contents comparison
| Key
features Help |
| Cyclone |
| Storm |
| Flood |
| Storm Surge |
| Other Actions of the Sea |
| Safety net |
| Total replacement cover |
| Other features (Click
to expand) |
| Fire and explosion |
| Accidental breakage |
| Accidental damage |
| Earthquake |
| Lightning |
| Malicious damage |
| Impacts |
| Escape of liquid |
| Theft and burglary |
| High value items and collections |
| Removal of debris |
| Alternative accomodation |
| Portable valuables |
| Items temporarily moved from
insured address |
| Fusion cover |
| Legal liability |
|
Excess |
| Selected excess |
| Excess options available |
|
Annual Premium Help |
| Lower premium Help |
| Medium
premium Help |
| Higher premium
Help
|
Contents comparison
| Key
features Help |
| Cyclone |
| Storm |
| Flood |
| Storm Surge |
| Other Actions of the Sea |
| Safety net |
| Total replacement cover |
| Other features (Click
to expand) |
| Fire and explosion |
| Accidental breakage |
| Accidental damage |
| Earthquake |
| Lightning |
| Malicious damage |
| Impacts |
| Escape of liquid |
| Theft and burglary |
| High value items and collections |
| Removal of debris |
| Alternative accomodation |
| Portable valuables |
| Items temporarily moved from
insured address |
| Fusion cover |
| Legal liability |
|
Excess |
| Selected excess |
| Excess options available |
|
Annual Premium Help |
| Lower premium Help |
| Medium
premium Help |
| Higher premium
Help
|
Contents comparison
| Key
features Help |
| Cyclone |
| Storm |
| Flood |
| Storm Surge |
| Other Actions of the Sea |
| Safety net |
| Total replacement cover |
| Other features (Click
to expand) |
| Fire and explosion |
| Accidental breakage |
| Accidental damage |
| Earthquake |
| Lightning |
| Malicious damage |
| Impacts |
| Escape of liquid |
| Theft and burglary |
| High value items and collections |
| Removal of debris |
| Alternative accomodation |
| Portable valuables |
| Items temporarily moved from
insured address |
| Fusion cover |
| Legal liability |
|
Excess |
| Selected excess |
| Excess options available |
|
Annual Premium Help |
| Lower premium Help |
| Medium
premium Help |
| Higher premium
Help
|
Key:
Yes Feature included
No Feature not included
Optional Feature may be included at additional cost
Underline Tap/hover for more information
Underwriter For your search location and our assumptions, the insurer may restrict, or not provide, home insurance online. Contact the insurer for more information
More information
- Disputes information: The Australian Financial Complaints Authority (AFCA) publishes some statistics on insurance disputes that it collates while performing its role providing a free external dispute resolution scheme for disputes about products that include home insurance. Please note that disputes in AFCA may not relate to claims and may contain information for all of Australia and not simply North Queensland. The information may be based on insurance company groups – not divided into particular insurance brands and will depend on the particular factual circumstances of each dispute.
- Assumptions:
- Specific characteristics have been selected based on common home insurance attributes for the North Queensland region, and key rating factors generally affecting premiums to give a range of profiles which is broadly representative of Buildings and Contents risks in North Queensland. These risk profiles are only an indication and are not tailored to your particular property, personal circumstances or relevant insurance history. As such, the resulting premium information is indicative only (your actual quotes may be higher or lower than the comparison results displayed). A quote obtained from an individual insurer will vary, perhaps significantly, from the indicative premiums presented on this website.
- These characteristics are a reasonably common combination of property characteristics in North Queensland locations with a sum insured at this level. A number of other assumptions have also been made.
Key:
Yes Feature included
No Feature not included
Optional Feature may be included at additional cost
Underline Tap/hover for more information
Underwriter For your search location and our assumptions, the insurer may restrict, or not provide, home insurance online. Contact the insurer for more information.
More information
- Disputes information: The Australian Financial Complaints Authority (AFCA) publishes some statistics on insurance disputes that it collates while performing its role providing a free external dispute resolution scheme for disputes about products that include home insurance. Please note that disputes in AFCA may not relate to claims and may contain information for all of Australia and not simply North Queensland. The information may be based on insurance company groups – not divided into particular insurance brands and will depend on the particular factual circumstances of each dispute.
- Assumptions applied to your search:
- Specific characteristics have been selected based on common home insurance attributes for the North Queensland region, and key rating factors generally affecting premiums to give a range of profiles which is broadly representative of Buildings and Contents risks in North Queensland. These risk profiles are only an indication and are not tailored to your particular property, personal circumstances or relevant insurance history. As such, the resulting premium information is indicative only (your actual quotes may be higher or lower than the comparison results displayed). A quote obtained from an individual insurer will vary, perhaps significantly, from the indicative premiums presented on this website.
- These characteristics are a reasonably common combination of property characteristics in North Queensland locations with a sum insured at this level. A number of other assumptions have also been made.
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Last updated:
Tuesday, January 12, 2021
