Cost of repairing or replacing your damaged or destroyed house, garden shed, fences and other structures on your property.
Removal of debris, demolition, professional (e.g. architect, surveyor, engineer) and building-application fees, and storage of undamaged contents.
Legal and administrative costs to discharge your mortgage, if your home is destroyed.
Funeral expenses if you die as a result of an insured event at your home.
Temporary accommodation for your family and pets if your damaged house is unfit to live in.
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.
Loss or damage to your rental property’s fixed floor coverings (except fitted carpets) and external window coverings (e.g. awnings).
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.
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.
When your Budget Direct / View Insurance policy commences and you have made a payment, we’ll donate $20 to the Kindness Factory.
If you get a quote online, you’ll save 15% off^ the first year of your Home Insurance premiums.
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
Each year, Budget Direct will increase the amounts your contents are insured for – to help keep pace with rising costs.
Budget Direct will guarantee the quality of all authorised repairs, including the materials and workmanship.
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:
For an additional premium, you can upgrade your Home Insurance by adding any of the following optional covers to your policy:
Covers your home for loss or damage caused by flooding rivers, creeks, lakes, dams and other bodies of water.§
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).
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.
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.
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.Calculate Now
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.
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