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  • 10% discount

    Enjoy 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.

    Find out more

  • State app for home insurance

    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.

    Work it out

Compare home insurance options

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
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This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

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*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.

Don't just take our word for it...

You guys are great! Have only made a couple of claims over the last few years, and each time I have had items fixed/replaced within a week, no hassles at all.

Liz Quilty