Home insurance for modern life

Feel at home with cover that’s fast to buy and easy to manage. Local expert help, plus make claims 24/7 online. Save 10% when you combine home and contents.

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Get cover fast, with digital home insurance

UI showing how a user can manage their policy online
Online, anytime

Buy, manage and claim online – you’re in control. It’s how insurance should be.

Back on your feet, faster

Submit a claim online 24/7. Our clever tech and expert claims team will get the ball rolling so you get the help you need.

Skip waiting on hold

Have questions about your quote, policy or claim? Book online and we’ll call when it suits you.

Save 10% on your home and contents insurance today2

Smart savings with smart home devices

Get rewarded for keeping your home safer with smart devices like Google Nest.

This includes smart smoke alarms, leak detectors or smart home security cameras that can send alerts to your smartphone1.

Save up to 20% on your home and contents insurance today2

Protected against the unexpected

We cover loss or damage to your home for these events and more.

Fire and bushfire

Flood, storm and rainwater

Earthquake, tsunami, or volcanic eruption

Theft and malicious damage 

Accidental glass breakage

Escape of liquid, like when a pipe bursts unexpectedly

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Choose your level of home cover 

Summary only

Full benefits, terms and conditions are in our Product Disclosure Statement

Limited
Basic
Comprehensive
highest cover
Huddle Black Comprehensive
Emergency accommodation

If your home isn't safe to live in due to an insured event, we'll pay for temporary accommodation while it is repaired or rebuilt.

The lesser of 12 months’ rent or 10% of your home sum insured.
The lesser of 12 months’ rent or 10% of your home sum insured.
Up to 20% of your home sum insured
Environmental benefits

If your home needs to be rebuilt due to an insured event, we'll pay to install environmental improvements such as solar panels and rainwater tanks.

Up to $2,500
Up to $5,000
Up to $5,000
Emergency pet accommodation

If we're putting you up in emergency accommodation, we’ll help pay for temporary accommodation for your dogs and cats.

Up to $1,000
Emergency storage

We'll pay to move and store your contents while your home is being repaired or rebuilt due to an insured event.

Up to 10% of your contents sum insured
Up to 15% of your contents sum insured
Up to 15% of your contents sum insured
Replacement locks

If a claim for theft is covered under the policy and, as part of that theft, the keys to external doors are stolen, we’ll pay the cost of replacing those locks.

Up to $750
Up to $1,500
Up to $2,000
Damage to landscaping

We’ll pay to replace landscaping features like trees, plants or shrubs, fountains, and ponds, which are stolen, burnt, maliciously damaged or damaged by a vehicle.

Up to $750
Up to $1,500
Up to $5,000
Electrical motor burnout

We’ll cover the cost of repairing or replacing any burnt out motor which forms part of your home, like in a garage door or swimming pool pump.

Up to $2,000
If 100 kms or more away from home
Legal liability

We provide cover for claims made against you for death or injury to another person and loss
or damage to someone else’s property.

Up to $20 million
Up to $20 million
Up to $30 million

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Upgrade to Huddle Black, our premium cover

Enjoy all the features of our Comprehensive Cover plus:

24/7 call-outs with Huddle Home Assist

Locked out? Burst tap? Get 24/7 assistance from plumbers, electricians and locksmiths, for 10 common home emergencies. See Huddle Home Assist terms.

Emergency pet accommodation

If we're putting you up in emergency accommodation, we’ll also help pay up to $1,000 temporary accommodation for your dogs and cats.

Boosted limits, exclusive benefits

Get a wider range of perks and higher limits for things like emergency accommodation and legal liability.

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Skip waiting on hold

Local insurance experts

Have questions about your quote, policy or claim? Our friendly Sunshine Coast and Melbourne teams can give you a hand.

You won’t miss the hold music

Book an appointment online and we’ll call when it suits you.

Always here in emergencies

Available 24/7 if you have an emergency claim. 

Everything you get with Huddle

Buy, manage and claim online, anytime

Complimentary carbon offset with your new policy3

Pay monthly or save by paying annually

Local insurance experts, book online and we’ll call when it suits you

Flex your excess to reduce your premium

Customisable cover with optional handy extras

24/7 emergency assistance

Fast claims - some car insurance claims get a decision in minutes

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Great for the planet too

We’ll pay to help offset your carbon emissions by planting and protecting native forests when you buy a new policy.3

It’s part of our mission to use business as a force for good. We donate a portion of our revenue for the planet and we’re Australasia’s only B-Corp Certified insurance company.

Life moves fast.
Get insurance in minutes.

Commonly asked questions

What are the different types of home insurance I can get with Huddle?
  • Home insurance
  • Contents insurance 
  • Home and contents insurance 
What does accidental damage mean?

Accidental damage means damage caused unintentionally to your home, if you have Home Insurance with this cover option, or contents, if you have Contents Insurance with this cover option. Accidental damage can cover things like your favourite vase breaking or your hallway wall being damaged as you’re moving your new couch in.

You will be covered for accidental damage if you choose the Comprehensive Cover option or Huddle Black for your policy.

Some things are excluded, like scratching, chipping or denting, caused by normal use. See the relevant Product Disclosure Statement for more information.

Under the Basic Cover option, you will still be covered for accidental glass breakage. Policy terms do apply.

Can I pay my premium monthly?

Yes. You can choose to pay monthly for your home insurance, or save by paying annually.

I’m going on holiday, what do I need to do?

It's important to let us know if your home will be unoccupied for a period of more than 100 consecutive days. If you tell us, we may be able to provide cover during this period subject to certain conditions for your home being unoccupied. See the section titled ‘Leaving your home unoccupied’ in the Huddle Home & Contents Insurance Product Disclosure Statement for details.

We do not provide cover where your whole home is rented out on Airbnb or similar shorter term rental (even if it's just while you're on holiday).

What’s the difference between Home Insurance and Contents Insurance?
  • Home Insurance is for homeowners who live in their home and want insurance for their building and fixtures. It covers the residential buildings, domestic outbuildings, fixtures, services like electricity, water and gas at the insured site, permanently installed swimming pools and paved driveways etc.
  • Contents Insurance is for homeowners living in their home or renters renting a home who want insurance for their things. Contents include things like art, watches, jewellery, sporting equipment, carpets, rugs, furniture, electronics, bicycles, portable musical instruments and more.
I’m a landlord, can I use this policy?

No, our policies are not designed for landlords.

  • Huddle Home Insurance is designed for owner-occupiers who want insurance for their home.
  • Huddle Contents Insurance is designed for homeowners, owners of strata-titled residential properties or renters, who want insurance for their contents.
  • Huddle Home & Contents Insurance is designed for owner-occupiers who want insurance for both their home and contents.

More insurance from Huddle

Car insurance

Pay as you drive and save up to 30% if you drive less than 15,000 km a year1

Contents insurance

For renters or homeowners, cover for loss or damage to your stuff