House Insurance

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Which house insurance is right for you?

  • Home Comprehensive

    Home Comprehensive

    Full cover for your home up to the amount you choose to insure it for. Cover for all sorts of unwanted surprises such as broken locks and windows. You’re also covered for temporary accommodation up to $20,000 if damage makes your home unliveable, and hidden gradual damage up to $2,500 a year.

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  • Homepack Comprehensive

    Homepack Comprehensive

    Combine our Home and Contents Comprehensive policies and save up to 15%.

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  • Home Essentials

    Home Essentials

    Just want cover for the essentials? Look no further. If your home is damaged by certain events, you’ll be covered up to present value or the amount you insured your home for (whichever is less).

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  • Homepack Essentials

    Homepack Essentials

    Combine our Home and Contents Essentials policies and save up to 15%.

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Compare your house insurance options

Multi-policy discount*
Legal liability cover up to $1,000,000
Sudden and accidental damage to your home
Defined events only See policy wording for full details
Alternative accommodation
Hidden gradual damage from leaking water in certain circumstances
Restoration of your garden or lawn
$250 excess for glass breakage
Replacement of keys and locks up to $500

Additional benefits

  • Save with State

    Insure your car or home with us too and save with our multi policy and Homepack discounts.

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  • Do it online

    Get a quote and buy, lodge a claim or manage your insurance online with My State, your online account.

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  • Flybuys

    Earn Flybuys

    State is the only general insurance company that offers Flybuys. Earn Flybuys on every policy with us.

    Flybuys T&Cs apply.

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