Choosing the right home and contents insurance in Australia can feel unnecessarily complex. With premiums on the rise and policies filled with confusing jargon, the risk of being underinsured is a genuine concern for homeowners, landlords, and even renters. This guide is designed to be your definitive roadmap, cutting through the noise to help you find the best home and contents insurance Australia offers for your unique situation.
We’re not just presenting another generic list. This is a practical, in-depth comparison of Australia's leading insurance providers. We'll break down exactly what you get, what you don't, and what you should realistically expect to pay.
Inside, you will find:
- Side-by-side comparisons of major insurers like Allianz, AAMI, and Budget Direct.
- Clear cost expectations with real quote examples to guide your budget.
- Ranked recommendations for specific needs, whether you're a homeowner, a landlord, or an Airbnb host.
- Actionable insights into claims processes and how to choose the right level of cover.
Most importantly, we'll go beyond the standard comparison sites. We'll introduce a smarter way to manage your insurance policy that helps you avoid the dreaded 'loyalty tax' and ensures you maintain competitive value year after year without sacrificing essential protection. This guide provides the clarity you need to secure your most valuable asset with confidence. We’ll provide direct links and visual examples for each provider to make your research simple and effective. Let's find the policy that truly fits your life and budget.
1. Cover Club
Best For: Homeowners seeking long-term savings and expert management.
Cover Club introduces a modern, member-focused approach to securing home and contents insurance in Australia. Instead of functioning as a one-time comparison tool, it operates as a licensed insurance broker dedicated to finding and maintaining the right policy for you year after year. This model is built to combat the common industry practice of "price walking," where loyal customers are gradually charged higher premiums over time. Cover Club's core mission is to ensure its members consistently benefit from competitive new-customer pricing, a strategy that delivers an average saving of $350 annually, with many verified members reporting savings well over $1,000.
The platform stands out by combining technology with genuine, human expertise. You start by completing a quick online questionnaire that takes under three minutes, after which Cover Club's specialists negotiate with a panel of insurers, including broker-only providers not accessible on public comparison sites. This dual approach of automation and professional negotiation allows them to deliver personalised quotes that align with your property’s specific needs, whether you're a homeowner, landlord, or short-stay host.
Key Features and Advantages
What sets Cover Club apart is its ongoing service model. Membership includes continuous market monitoring, so your policy is automatically reviewed 30 days before renewal. If a more competitive rate or better-suited policy emerges, their team proactively manages the switch, saving you the time and effort of shopping around each year.
This hands-on management extends to one of the most stressful parts of insurance: making a claim. Cover Club provides claims advocacy at no extra cost. Your dedicated broker will act on your behalf, guiding you through the process and dealing with the insurer to secure a fair and timely outcome. This support is a significant advantage, particularly for those unfamiliar with insurance jargon or complex claims procedures.
> Expert Insight: The value of a broker like Cover Club becomes most apparent during a claim. Having a licensed professional advocate for you can make the difference between a quick, successful resolution and a lengthy, frustrating dispute with your insurer.
Practical Benefits for Australian Homeowners
Cover Club offers tangible benefits that directly address common pain points in the insurance market:
- Access to Exclusive Rates: By working with broker-only insurers, they can often secure policies with better terms or lower premiums than those available directly to the public.
- Transparent Pricing: All quotes are inclusive of GST, broker fees, and government taxes, so there are no hidden charges. You see the final price upfront.
- Specialised Cover: The service caters to a wide range of needs, including high-value properties and short-stay rentals like Airbnb, which often require specific policy endorsements that standard insurers don't offer.
- Informed Decisions: The platform also publishes insurance data and local pricing insights, helping you understand what drives premium costs in your area. For a deeper dive into policy specifics, their blog offers useful resources that explain what is typically included in contents insurance cover.
While Cover Club successfully finds the absolute cheapest rate for approximately 80% of its customers, it's important to remember that premiums are highly dependent on individual factors like location, property value, and claims history. Therefore, you should always review the Product Disclosure Statement (PDS) to confirm the policy details suit your circumstances.
| Feature | Cover Club Advantage | | :--- | :--- | | Price Monitoring | Automatic annual market check to ensure you're always on a competitive rate. | | Claims Support | Licensed brokers advocate on your behalf during the claims process at no extra cost. | | Insurer Access | Unlocks quotes from broker-only insurers not found on comparison websites. | | Policy Management | Handles renewals, switches, and policy adjustments for you. |
Pros:
- Ongoing Savings: Continuous market scanning saves members an average of $350 per year.
- Expert Advocacy: In-house brokers provide claims support and personalised advice.
- Exclusive Access: Unlocks rates and benefits from a panel of broker-only insurers.
- Time-Saving: Automates the annual chore of shopping for a better insurance deal.
Cons:
- Not Always the Cheapest: While highly competitive, it may not find the lowest premium in every single case (effective for ~80% of users).
- Variable Availability: Insurer appetite and pricing are subject to local risk factors and underwriting criteria.
Website: https://www.coverclub.com.au
2. Allianz Australia
As one of Australia's largest and most recognisable insurers, Allianz offers a dependable and robust choice for home and contents insurance. Their website provides a straightforward experience for consumers looking to get a quote, understand policy details, and manage their cover. What sets Allianz apart is its strong brand reputation and a clear, forthcoming approach to critical coverages like flood damage, making it a solid contender for one of the best home and contents insurance options in Australia.
A significant move by the insurer is the inclusion of flood cover as a standard feature on all new Home and Landlord insurance policies initiated from 14 January 2025. This decision removes a common point of confusion and contention for policyholders, providing greater certainty at a time when climate-related events are an increasing concern.
Key Features and User Experience
Navigating the Allianz website is a relatively simple process. The online quoting engine guides you through the necessary questions about your property and belongings, providing a premium based on your specific details. They also offer a library of Product Disclosure Statements (PDS) and other policy documents that are easy to access and understand.
- Policy Options: You can choose from Building Insurance, Contents Insurance, or a combined Home and Contents policy.
- Optional Extras: For more specific protection, you can add optional benefits like Accidental Damage cover for mishaps around the home, and Portable Contents cover for items like laptops and jewellery when you take them out of the house.
- Calculators: The site features calculators to help you estimate the replacement value of your building and contents, which is a crucial first step. If you need more guidance, our detailed guide on [calculating the right amount of home insurance](https://coverclub.com.au/blog/category/how-much-home-insurance-do-i-need) can provide further assistance.
- Broker Access: While standard policies are available directly, Allianz also works through brokers to offer solutions for high-net-worth individuals and properties with more complex needs, demonstrating their broad market appetite.
Pros and Cons of Allianz Insurance
| Pros | Cons | | :------------------------------------------------------------------------------------------------ | :-------------------------------------------------------------------------------------------------- | | Standard Flood Cover: New policies from Jan 2025 include flood cover, reducing ambiguity. | Premium Variation: Costs can differ substantially depending on your location and risk factors. | | Brand Reliability: A large, established insurer with a strong financial standing and presence. | PDS is Essential Reading: You must check the specific limits and exclusions in the PDS. | | Clear Online Process: Easy to get a quote and find policy information online. | Optional Extras Add Up: While comprehensive, adding extras will increase the final premium. | | Broad Risk Appetite: Covers everything from standard homes to prestige properties via brokers. | Claim Experience Varies: Like any large insurer, individual claims experiences can differ. |
Website: https://www.allianz.com.au
3. Budget Direct (Auto & General)
For price-conscious consumers, Budget Direct has carved out a significant space in the Australian insurance market. As a direct insurer operating under the Auto & General banner, its platform is built for speed and value, frequently offering some of the most competitive premiums available. The website is known for its fast online quoting process and has consistently been recognised in industry awards for value, making it a go-to for homeowners focused on securing cover at a sharp price point.
Budget Direct's model often includes promotional first-year discounts for customers who purchase their policies online. This strategy can deliver substantial upfront savings, appealing to owner-occupiers and first-home buyers who are prepared to adjust cover levels and excesses to achieve a lower premium. This focus on affordability places it firmly in the running for one of the best home and contents insurance Australia options for those on a tight budget.
Key Features and User Experience
The Budget Direct website is designed for efficiency. Its online quoting tool is one of the fastest in the market, allowing users to get a price in minutes by answering a streamlined set of questions. The interface is clean and the steps to purchase a policy are straightforward, removing much of the friction often associated with buying insurance.
- Policy Options: Standard choices include Building Insurance, Contents Insurance, or a combined Home and Contents policy for complete protection.
- Optional Extras: You can add Accidental Damage cover for those unexpected mishaps and Portable Contents cover to protect specified valuables like phones and laptops away from home.
- First-Year Discounts: The insurer frequently promotes discounts for new customers buying online, though the specific amount and eligibility can vary. It's a key part of their value proposition.
- Award Recognition: Budget Direct often highlights its numerous awards for value and customer satisfaction, which can provide an extra layer of confidence for prospective buyers. For those prioritising cost, our guide to the [cheapest home and contents insurance in Australia](https://coverclub.com.au/blog/category/cheapest-home-and-contents-insurance-australia) offers more context on finding value.
Pros and Cons of Budget Direct Insurance
| Pros | Cons | | :-------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------- | | Consistently Sharp Pricing: Often one of the most affordable options for price-sensitive shoppers. | Discount Scrutiny: ASIC has commenced proceedings (Feb 27, 2026) regarding alleged misrepresentations on advertised online discounts. | | Simple, Fast Online Quoting: Get a quote and purchase cover quickly with a clear, direct process. | Renewal Premiums: First-year discounts are common, meaning renewal prices may be higher unless you re-shop the market. | | Award-Winning Value: Regularly recognised in independent awards for its competitive pricing. | Direct Model: Lacks the personalised advice and advocacy a broker can provide, especially during a claim. | | Clear Cover Choices: Easy to understand the different levels of cover and optional extras available. | PDS is Crucial: The onus is on you to read the PDS carefully to understand all limits, conditions, and exclusions. |
Website: https://www.budgetdirect.com.au
4. AAMI (Suncorp Group)
As a prominent national direct insurance brand under the Suncorp Group umbrella, AAMI offers robust and straightforward home and contents cover. The website is designed for customers who appreciate clarity and control, providing well-documented policies and flexible options to adjust premiums. AAMI's strength lies in its balance of brand recognition, accessible online tools, and a product that caters well to families and individuals wanting reliable, no-fuss protection.
One of its most user-friendly features is AAMI Flexi-Premiums. This system gives policyholders direct control over their costs by allowing them to choose a higher or lower excess. Opting for a higher excess reduces the annual premium, making it a practical choice for those who are comfortable paying more out-of-pocket in the event of a claim. This flexibility makes AAMI a strong candidate for budget-conscious households looking for some of the best home and contents insurance in Australia.
Key Features and User Experience
The AAMI website experience is built around simplicity. Obtaining a quote is a guided, step-by-step process that clearly explains the information needed. All policy documentation, including the critical Product Disclosure Statement (PDS), is readily available, allowing potential customers to review coverage details before committing.
- Policy Options: Standard choices include Building Insurance, Contents Insurance, and a combined Home and Contents policy for complete peace of mind.
- AAMI Flexi-Premiums: A key differentiator, this feature allows you to increase or decrease your excess, which directly impacts your premium. A higher excess means a lower premium, and vice versa.
- Optional Covers: You can bolster your policy with optional extras like Accidental Damage at home and Portable Valuables cover for items you take with you.
- Award Recognition: AAMI’s value proposition is often recognised within the industry, including accolades from Canstar for Outstanding Value Home & Contents Insurance in 2023, reinforcing its competitive position.
Pros and Cons of AAMI Insurance
| Pros | Cons | | :-------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------- | | Clear Documentation & Tools: Easy-to-use website with clear PDS documents and premium adjustment tools. | Promotions Can Be Smaller: First-year discounts and sign-up offers may not be as aggressive as some rivals. | | Flexible Premiums via Excess: AAMI Flexi-Premiums provide direct control over your policy cost. | Confirm Current Terms: Specific offers and policy inclusions can change, so always verify at purchase. | | Strong Brand & Claims Network: Backed by Suncorp with a significant national presence for claims support. | Standard Cover Focus: May be less suited for highly unique or non-standard properties without broker input. |
Website: https://www.aami.com.au
5. Youi
Youi takes a distinctly personal approach to insurance, moving away from one-size-fits-all quoting engines in favour of a more detailed, interview-style process. By asking specific questions about your home, lifestyle, and security measures, they aim to create a policy and premium that genuinely reflects your individual risk. This personalised method has earned them recognition for customer satisfaction and makes them a compelling choice for those seeking coverage that aligns closely with their actual circumstances.
This insurer’s model is built on the idea that if they know more about you, they can price your risk more accurately, potentially rewarding those with lower-risk profiles. While the initial online process gathers basic details, it’s often followed by a phone call to finalise the specifics, a factor that some customers prefer for its thoroughness while others may find it less convenient. Their commitment to service is a core part of their brand, positioning them as a strong contender for the best home and contents insurance in Australia.
Key Features and User Experience
The Youi website guides you to start a quote online, but the full experience is a hybrid of digital and direct conversation. The platform is clean and provides clear access to policy documents and claims information. A key feature is their focus on the claims journey, offering an online Claims Tracker that gives policyholders visibility over the progress of their claim from start to finish.
- Policy Options: Standard offerings include Building Insurance, Contents Insurance, and a combined policy to cover both.
- Personalised Underwriting: The interview-style process, often completed via phone, delves into details like your home’s construction materials, security systems, and even your profession to tailor the premium.
- Claims Tracker: Once a claim is lodged online or via their app, you can monitor its status, see what the next steps are, and communicate with your claims advisor directly.
- Award-Winning Service: Youi has received accolades for customer satisfaction, including Canstar’s Most Satisfied Customers award for Home Insurance in 2024 and 2025, reflecting their emphasis on the policyholder experience.
Pros and Cons of Youi Insurance
| Pros | Cons | | :-------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------- | | Tailored Pricing: The detailed questioning can result in fairer premiums for lower-risk clients. | Phone Call Required: Finalising a quote usually requires a phone call, which may not suit all customers. | | Strong Claims Focus: The Claims Tracker and dedicated advisors provide transparency and support. | No Fixed Discounts: Pricing is highly personalised, so there are no standard online-only discounts. | | Recognised Customer Satisfaction: High ratings in customer service and claims handling. | Time-Intensive Quoting: The process can be more involved than a simple online form. | | Clear Policy Wording: Policies are designed to be easy to understand, reducing confusion. | Pricing Varies Significantly: Your final premium is highly dependent on the details you provide. |
Website: https://www.youi.com.au
6. QBE Insurance Australia
As one of Australia’s largest and most established general insurers, QBE offers a reliable and widely accessible option for home and contents insurance. Available both directly to consumers and through a vast network of brokers, their policies cater to a broad spectrum of needs, from standard owner-occupiers to residential landlords. QBE’s brand stability and extensive national presence make it a formidable choice for those seeking dependable cover.
QBE’s strength lies in its flexibility and distribution. Whether you prefer the convenience of an online quote or the tailored advice of a broker, QBE provides a pathway. This dual approach ensures they can service a wide range of customers, making them a key player in the competition for the best home and contents insurance in Australia. They also frequently run online promotions for new combined policies, which can provide an attractive discount for those timing their purchase right.
Key Features and User Experience
The QBE website provides a direct-to-consumer channel with a straightforward quoting process. It guides users through the necessary questions about their property, its construction, and their belongings to generate a premium. Policy documents like the Product Disclosure Statement (PDS) and Key Facts Sheet are readily available, which is vital for understanding the specifics of your cover.
- Policy Options: Standard choices include Building Only, Contents Only, or a combined Home and Contents policy for comprehensive protection.
- Optional Extras: You can add Accidental Damage for unexpected mishaps at home. A notable feature is the flexible Portable Contents cover, which can protect your items anywhere in Australia and New Zealand, and for up to 90 consecutive days worldwide when selected.
- Broad Availability: Being able to purchase direct or via a broker means you can choose the service model that suits you best. Brokers can be particularly helpful for non-standard properties or more complex insurance needs.
- Online Discounts: QBE often provides a time-limited discount for new customers who purchase a combined home and contents policy online. Always check the website for current promotions and eligibility criteria.
Pros and Cons of QBE Insurance
| Pros | Cons | | :----------------------------------------------------------------------------------------------------- | :----------------------------------------------------------------------------------------------------------------------- | | Big-Brand Stability: A large insurer with a strong financial foundation and national claims network. | PDS is Essential Reading: Cover details, especially for events like flood, can vary between policies. Always confirm. | | Flexible Options: Policies are suitable for both homeowners and landlords with useful add-ons. | Pricing is Tailored: Premiums are risk-based, so it's important to compare like-for-like quotes with other insurers. | | Good Portable Contents Cover: Worldwide cover for up to 90 days is a great benefit for travellers. | Promotions are Time-Sensitive: Online discounts are usually for a limited time and for new policies only. | | Wide Distribution: Available directly online or through an extensive broker network across Australia. | Claim Experience Varies: As with any large organisation, the service experience during a claim can differ. |
Website: https://www.qbe.com/au
7. Honey Insurance
Honey Insurance introduces a proactive approach to home protection, blending traditional cover with modern smart-home technology. This insurtech stands out by providing customers with complimentary smart sensors designed to prevent common household incidents before they result in a claim. For tech-savvy households looking to actively reduce their risk and be rewarded for it, Honey offers a compelling proposition that re-evaluates the relationship between an insurer and a policyholder.
The core of Honey's offering is its 'smarter home program'. New customers receive a sensor kit, valued at approximately $250, which includes devices that can detect water leaks, smoke alarms, and open doors or windows. By installing and activating these sensors, policyholders not only gain an early warning system against avoidable damage but can also earn an ongoing discount on their premium, making it a unique player in the search for the best home and contents insurance Australia has to offer.
Key Features and User Experience
Honey’s platform is built around a slick, digital-first experience. Obtaining a quote is fast and intuitive, and policy management is handled entirely online, appealing to customers who prefer self-service. The true differentiator, however, is the direct link between risk mitigation and cost savings.
- Complimentary Smart Sensor Kit: New policies come with a set of sensors to help detect common issues like water leaks or fire.
- Ongoing Premium Discount: Customers can receive an ongoing discount of up to 8% on their premium for as long as the smart sensors remain active and connected.
- Proactive Alerts: The system is designed to alert you via your smartphone to potential issues, allowing you to act quickly to prevent or minimise damage.
- Policy Options: Honey offers standard Building Insurance, Contents Insurance, and combined policies with clear terms and digital PDS documents available on their website.
Pros and Cons of Honey Insurance
| Pros | Cons | | :--------------------------------------------------------------------------------------------------- | :---------------------------------------------------------------------------------------------------------- | | Ongoing Discount for Active Protection: Rewards proactive risk management rather than a one-off bonus. | Requires Tech Engagement: The full value is only realised if you set up and maintain the sensor hardware. | | Modern Digital Experience: The online process for quotes and policy management is fast and simple. | Not Ideal for All Customers: May not suit those who are uncomfortable with smart-home technology. | | Focus on Claim Prevention: Aims to help you avoid loss, which is better than any claims process. | Newer Player: As a newer insurtech, it lacks the long-term track record of established insurers. | | Clear Program Criteria: The requirements for earning the sensor-based discount are straightforward. | Sensor Limitations: The included sensors cover specific risks and are not a complete home security system. |
Website: https://www.honeyinsurance.com
Top 7 Home & Contents Insurance in Australia
| Provider | 🔄 Implementation complexity | ⚡ Resource requirements | ⭐ Expected outcomes / 📊 Impact | 💡 Ideal use cases | ⭐ Key advantages | |---|---:|---:|---|---|---| | Cover Club | Medium — broker onboarding and continuous market monitoring | Low for customer; broker-managed comparisons and renewals | Average savings ≈ $350/yr; finds lowest rate ~80% of cases; includes claims advocacy | Homeowners, landlords, luxury homes, short‑stay hosts wanting ongoing savings & support | Access to broker-only rates, ongoing re‑shopping, claims advocacy, transparent fees | | Allianz Australia | Low — standard insurer with online quoting and PDS | Low; use online tools and review PDS | Comprehensive baseline cover; flood included on new Home/Landlord policies (from 14 Jan 2025) | Customers seeking a large, reliable national insurer and clear policy terms | Flood inclusion, broad product range, national claims support | | Budget Direct (Auto & General) | Low — fast direct online purchase | Low; quick quoting, choose excess to lower premium | Aggressive first‑year pricing; renewals may be higher; discount claims under regulatory review | Price‑sensitive owner‑occupiers prepared to adjust excess and re‑shop at renewal | Competitive pricing, fast online experience | | AAMI (Suncorp Group) | Low — direct brand with flexible excess options | Low; PDS/tools to tailor excess/premium | Straightforward, well‑documented cover; adjustable premiums via Flexi‑Premiums | Families and customers wanting simple cover with premium flexibility | Flexi‑Premiums to tailor cost, clear documentation, strong claims network | | Youi | Medium — personalised interview‑style underwriting (often phone) | Moderate; time/interaction required to get tailored quote | Pricing can reward specific living circumstances; strong claims communication/trackers | Customers willing to engage in interview for potentially tighter risk‑based pricing | Personalised underwriting, strong claims service and digital Claims Tracker | | QBE Insurance Australia | Low–Medium — available direct or via brokers; product versions vary | Moderate; compare PDS/Key Facts for chosen product | Broad cover options; portable contents options (Australia/NZ and limited worldwide) | Homeowners and landlords needing flexible add‑ons and wider portable cover | Large‑brand stability, wide distribution, flexible policy options | | Honey Insurance | Medium — requires installation and maintenance of smart sensors | Higher; sensor kit setup and ongoing connectivity required | Up to ~8% ongoing premium discount while sensors active; lowers avoidable claim risk | Tech‑friendly households wanting proactive loss prevention and ongoing discounts | Complimentary smart sensor kit, mitigation‑linked ongoing discounts |
Your Next Step: From Confused Shopper to Confident Homeowner
You've just navigated the intricate world of Australian home and contents insurance. We've explored the strengths of major players like Allianz and AAMI, the budget-friendly appeal of Budget Direct, and the unique approaches of specialists like Youi, QBE, and Honey. The single most important lesson from this deep dive is clear: inertia is the enemy of a good deal. The "set and forget" mentality is a direct path to overpaying, as insurers frequently reserve their best prices for new customers.
The journey to securing the best home and contents insurance in Australia isn't a one-off event; it's an ongoing process. Your circumstances change, your property's value fluctuates, and the insurance market itself is in constant motion. Staying on top of these shifts is the key to maintaining adequate cover without letting your premiums creep up year after year.
Turning Knowledge into Action
So, what's the practical next step? Armed with the insights from this guide, you now understand the critical difference between basic defined events cover and comprehensive accidental damage protection. You know to scrutinise Product Disclosure Statements (PDS) for sub-limits on items like jewellery or art and to realistically assess your required sum insured to avoid the devastating consequences of underinsurance.
You have two distinct paths forward:
- The DIY Annual Review: You can commit to blocking out several hours each year before your renewal date. This involves gathering quotes from at least three different providers, meticulously comparing coverage details line-by-line, and negotiating with your current insurer. While effective, this manual process is time-consuming and requires significant personal discipline.
- The Automated, Expert-Led Approach: You can delegate this recurring task to a specialist who does it for you. This is where the modern insurance broker model, exemplified by a service like Cover Club, provides a clear advantage. Instead of you chasing the market, they bring the market to you, year after year.
The True Cost of 'Loyalty'
It’s crucial to reframe your thinking about loyalty in the insurance sector. Unlike other industries where long-term custom is rewarded, in insurance it often leads to a "loyalty tax". Your premium gradually increases at each renewal, while new customers are offered sharp introductory rates for the exact same policy.
> Key Takeaway: The most effective strategy isn't finding the cheapest policy for just this year. It's about implementing a system that ensures you pay a competitive price every year, without sacrificing the quality of your cover.
Choosing the right path depends on your most valuable asset: your time. For busy professionals, landlords managing multiple properties, or first-home buyers overwhelmed by new responsibilities, automating the comparison and renewal process is not a luxury-it's a smart financial decision. A broker acts as your advocate, not just finding a policy but ensuring it remains competitive and suitable for your needs over the long term. They also become an invaluable ally during the stress of a claim, guiding you through the process and dealing with the insurer on your behalf.
Your home is likely your biggest financial asset. Protecting it with the right insurance isn't just about ticking a box; it's about securing your financial future. Move forward from this article not just with a list of names, but with a clear strategy. Make a conscious choice to be a proactive, informed policyholder, and you'll safeguard your home and your budget for years to come.
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Ready to stop overpaying and start saving time? Let the experts at Cover Club do the hard work for you. Their licensed brokers will compare the market to find you a great price on quality cover and then automatically re-shop for you every year, ensuring you always have a competitive deal. Get your personalised quote from Cover Club in under three minutes and discover the smarter way to manage your home insurance.