• Save with State

    Insure your contents with us as well and you'll save with our Multi-Policy Discount.

  • Alternative accommodation

    If you can't stay in your home due to loss covered by your policy, we'll cover your alternative accommodation up to $20,000.

  • 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 on every policy with State

  • Home calculator

    Understand home sum insured and use our calculator to work out your potential rebuilding costs.

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

Defined events only
See policy wording for full details
yes
Alternative accommodation
yes
no
Hidden gradual damage from leaking water in certain circumstances
yes
no
Restoration of your garden or lawn
yes
no
$250 excess for glass breakage
yes
no
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.