Home Building Insurance


On your first year’s premium for a new policy purchased online
^Conditions Apply

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View Insurance has partnered with Australia’s most Award-Winning Home Insurer, Budget Direct, to offer you Home Building Insurance with heart. Protect your home (including your house, garage and other structures) against loss or damage due to events like severe weather, fire, and vandalism.


What’s covered by Home Insurance?

  • Home Building

    Cost of repairing or replacing your damaged or destroyed house, garden shed, fences and other structures on your property.

  • Debris removal and extra rebuilding costs

    Removal of debris, demolition, professional (e.g. architect, surveyor, engineer) and building-application fees, and storage of undamaged contents.

  • Mortgage discharge

    Legal and administrative costs to discharge your mortgage, if your home is destroyed.

  • Funeral expenses

    Funeral expenses if you die as a result of an insured event at your home.

  • Temporary accommodation

    Temporary accommodation for your family and pets if your damaged house is unfit to live in.

  • Legal liability

    Your legal liability for someone else’s death or bodily injury or for loss or damage to someone else’s property caused by an accident at the insured address.

  • Landlord’s fixture and fittings

    Loss or damage to your rental property’s fixed floor coverings (except fitted carpets) and external window coverings (e.g. awnings).

  • More

    See more of what Home Insurance covers, as well as other levels of cover by Comparing Levels of Cover.

Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement.

Why choose Budget Direct & View Insurance?

Australia’s Most
Award-Winning Insurer

Budget Direct has won Money Magazine’s Best of the Best Award for Home & Contents Insurance in 2023. When it matters most, you can trust you’re in safe, experienced hands.

Insurance with Heart

When your Budget Direct / View Insurance policy commences and you have made a payment, we’ll donate $20 to the Kindness Factory.

Save on Home Insurance

If you get a quote online, you’ll save 15% off^ the first year of your Home Insurance premiums.

24/7 Claims

You can make a claim online via any device, or by calling us. Budget Direct is ready to help 24/7, 365 days a year

Inflation Protection

Each year, Budget Direct will increase the amounts your contents are insured for – to help keep pace with rising costs.

Guaranteed Repairs

Budget Direct will guarantee the quality of all authorised repairs, including the materials and workmanship.

What events are insured?

Your Home Insurance policy with Budget Direct (in partnership with View Insurance) covers your house and domestic outbuildings against loss and damage caused by a wide range of events:

  • Storm and rainwater (you can upgrade to include flood cover)
  • Fire
  • Lightning
  • Theft (or attempted theft)
  • Escape of liquid (for example, a burst pipe)
  • Impact at home (such as a fallen tree)
  • Breakage of glass, ceramic and sanitary fixtures
  • Malicious damage, vandalism, riot or civil commotion
  • Explosion
  • Earthquake or tsunami

Tailor Your Home Insurance To You

For an additional premium, you can upgrade your Home Insurance by adding any of the following optional covers to your policy:

Flood Cover

Covers your home for loss or damage caused by flooding rivers, creeks, lakes, dams and other bodies of water.§

Accidental Damage

Standard cover includes accidental damage to glass, ceramic and sanitary fixtures; Accidental Damage extends this cover (some exclusions apply and are not available on Landlord policies – please read the PDS).

Motor Burnout

In case a power surge burns out a motor in an electrical appliance you own (less than 10 years old); we’ll also pay for related spoilage of food.

Sum Insured Safeguard

If your nominated sum insured is insufficient to repair, rebuild or replace your home, we’ll increase it by up to 25% (e.g. from $400,000 to $500,000).

§The addition of Flood Cover to a policy is subject to our underwriting criteria.
You can add one or more of these optional covers when you get a quote and buy a policy.

How much Home Insurance cover do I need?

It’s up to you to determine how much it would cost to replace your home if it was totally destroyed. This is known as the ‘sum insured’. This is the maximum amount we’ll pay, so it’s important you’re comfortable the sum you nominate will sufficiently replace your entire home at today’s prices. Answer a series of questions about your home and get an estimate of the cost of replacing it.

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Make a Claim

Making a claim can be done online, in your own time. Or if you’d prefer, you can call us, and we’ll guide you through the process. Either way, claims can be made 24/7, all year round.

Find out more about How to Make a Claim.

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The information on this page is a summary only. For more details about Budget Direct Car Insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement (PDS).

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Budget Direct Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353 (“AGIC”) and administered by Auto & General Services Pty Ltd AFS Licence No 241411 (“AGS”) and distributed by View Insurance as an Authorised Representative (AR No 1293388) of AGS.

Because we don’t know your financial needs, we can’t advise if this insurance will suit you. Please consider your needs, the Financial Services Guide, Product Disclosure Statement, Target Market Determination, Key Fact Sheets and Premium, Excess and Discount (PED) Guide when deciding to buy insurance. Underwriting criteria applies. Home and contents insurance not available in NT, North Qld and Northern WA. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

^Online Discount Terms & Conditions

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