Insured in 3 minutes
Our technology identifies info about your home – size, number of rooms, construction year, building materials – so we can help make getting you covered faster and simpler.
Cover the right stuff
We couple the info you give us with data about your home so you can select the cover that works for you. Explore insurance with greater confidence with Honey.
Prevention matters to us
Don’t wait around for things to go wrong. You can choose to receive smart home sensors that alert you to avoidable mishaps at your home. It’s insurance for every day, not just one day.
A smarter, safer home saves you up to 6%*
We invest in your home from day dot. When you sign up for home and contents insurance, you can choose to receive a smart home kit worth $250 – including a set of smart home sensors that can monitor for fire, water leaks, and theft. By helping to reduce your risk with our smart sensors, you’ll also pay less on your premium with a discount of up to 6%* every year.
Protecting the essentials of your castle, big or small
Add optional benefits for those things you hold extra dear
Accidental damage
Cover for damage or loss to your eligible contents due to an accidental event at home
Mobile phones
Cover for lost or damaged mobile phones up to the agreed sum insured
Individual items
Extra protection for your most valuable items, beyond your included contents cover
Small business
Cover for eligible lost or damaged equipment or stock used for your small business up to $20,000
Away from home
Cover for your eligible contents when you’re on the move in Australia and NZ
Smarter questions you can ask about homeowners insurance
Homeowners insurance can cover you for both your home’s building and contents in the case that they need repair, rebuilding or replacement after an insured event (a fancy way of saying a specific event covered under your policy). This includes cover for loss or damage from severe weather events such as cyclones, floods, storms and bushfires. Homeowners insurance can also help protect against things like theft, malicious damage and legal liability.
Homeowners insurance covers your home and/or contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement
We aren’t able to provide you with advice on the replacement costs of your home or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to provide an estimate of the rebuilding costs for your home.
It’s your responsibility to ensure your home sum insured is right for you and your needs. When considering how much you should insure your home for, you should consider including the full cost to rebuild your home, including the cost of structural improvements on the property. But don’t include land value. Our policies include an allowance for demolition and site clearance, as well as professional fees. You should also consider increased building costs to meet stringent local council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you.
We also offer a home building calculator which you can use to determine independently an appropriate sum insured for your needs, which you can then compare to the estimate provided by us during your quote.
Your premium is based on a number of things, including:
- What you choose to insure and how much you choose to insure it for
- Where your home is and risk information specific to your location (e.g. the likelihood of a flood, cyclone or bushfire, or crime rates in your suburb)
- Features specific to your home (e.g. building materials, the age of the building, and security features)
- The excess amount you have chosen
- Your claims history
- Your age
In most cases, the higher the risk of loss or damage, the higher the insurance premium. The chance of loss or damage is different for everyone, so we calculate your premium based on your individual circumstances.
