• Great discounts

    Enjoy a no claims discount of up to 40% and a multi-policy discount of up to 10%*.

  • Alternative accommodation

    If you can't stay in your home due to loss, we'll provide you with alternative accommodation.

  • Combine home & contents

    Save up to 15%. Some things work better together.

  • Access great customer offers, lodge a claim, pay your renewal or update your direct debit with our free State app.

  • Collect Fly Buys points or Airpoints Dollars on every policy with State

  • Home calculator

    Use our calculator to work out your potential rebuilding costs.

Compare home insurance options

No claim discount and multi-policy discount*
yes
yes
Legal liability cover up to $1,000,000
yes
yes
Sudden and accidental damage to your home
yes
no
Alternative accommodation
yes
no
Hidden gradual damage from leaking water in certain circumstances
yes
no
Intentional damage
yes
yes
Your home is covered for its present value
no
yes
Replacement of keys and locks up to $500
yes
no
Policy documents

*Discounts apply to the base premium amount (or the net base premium amount after deduction of any other discount(s)) and do not apply to government levies, GST or optional extensions

Other insurance you might need

Contract works insurance

Protect your investment if you’re undertaking major home renovations or building a new house, cover equipment and materials on-site.

Landlord insurance

Protect your rental property and income with our comprehensive cover.

HomePack Comprehensive

Combine your home and contents. Get a great discount with HomePack Comprehensive insurance.