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.2
"The process of insuring with Huddle was easy and the options clear and understandable. Pricing was better than my existing insurer and an improved policy...win win."
"Huddle made it easy to insure my car with the whole process done on my phone's web browser in 15 minutes while I was at the dealership."
"Love the option to book in a time to call back! No more waiting on the phone. Customer Service was amazing. Very friendly , knowledgeable and efficient. I had my email through before I got off the phone."
"Had to phone to make a claim and was greeted and treated wonderfully. Thank you to Lewis :)"
"Very easy online process to manage your policies, especially pay as you go mileage. Also very reasonable premium."
"Great competitive price, very quick and easy to switch with a user friendly website. Loved how the vehicle information was easily obtained from the registration number so very time efficient to complete the form."
Get cover fast, with digital home insurance
Buy, manage and claim online – you’re in control. It’s how insurance should be.
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.
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
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
Full benefits, terms and conditions are in our Product Disclosure Statement
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.
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.
If we're putting you up in emergency accommodation, we’ll help pay for temporary accommodation for your dogs and cats.
We'll pay to move and store your contents while your home is being repaired or rebuilt due to an insured event.
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.
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.
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.
If 100 kms or more away from home
We provide cover for claims made against you for death or injury to another person and loss
or damage to someone else’s property.
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:
Locked out? Burst tap? Get 24/7 assistance from plumbers, electricians and locksmiths, for 10 common home emergencies. See Huddle Home Assist terms.
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.
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
Have questions? Our friendly Sunshine Coast and Melbourne teams are here to give you a hand.
Book an appointment online and we’ll call when it suits you.
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
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
- Home insurance
- Contents insurance
- Home and contents insurance
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.
Yes. You can choose to pay monthly for your home insurance, or save by paying annually.
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).
- 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.
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