--- title: "Average contents and landlord insurance costs in Australi..." description: "The average home contents insurance premium reached $531 a year in 2024-25, up 20.1% from 2021-22, according to the Australian Competition and Consumer Commissi" lang: en-AU json-ld: | { "@context": "https://schema.org", "@type": "Article", "headline": "Average contents and landlord insurance costs in Australia", "description": "The average home contents insurance premium reached $531 a year in 2024-25, up 20.1% from 2021-22, according to the Australian Competition and Consumer Commission. Combined home and contents cover averaged $2,360, while home building cover averaged $1,852.", "image": [ "https://images.unsplash.com/photo-1734328819658-0c3ceef27c46?q=80&w=870&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D" ], "datePublished": "2026-07-21T00:00:00+00:00", "dateModified": "2026-07-21T04:23:14.099127+00:00", "author": { "@type": "Organization", "name": "CheckRate" }, "publisher": { "@type": "Organization", "name": "CheckRate" }, "mainEntityOfPage": { "@type": "WebPage", "@id": "https://checkrate.com.au/contents-landlord-insurance" } } --- [CheckRate ](/) [Library](/articles) Back insurance # Average contents and landlord insurance costs in Australia The average home contents insurance premium reached $531 a year in 2024-25, up 20.1% from 2021-22, according to the Australian Competition and Consumer Commission. Combined home and contents cover averaged $2,360, while home building cover averaged $1,852. 10 min read 21 July 2026 Updated 21 July 2026 Fact checked In this article 1. [How much do contents and landlord insurance cost in Australia?](#how-much-do-contents-and-landlord-insurance-cost-in-australia) 2. [What is the average cost of contents insurance?](#what-is-the-average-cost-of-contents-insurance) 3. [What is the average cost of landlord insurance?](#what-is-the-average-cost-of-landlord-insurance) 4. [How home and contents insurance premiums vary by region in Australia](#how-home-and-contents-insurance-premiums-vary-by-region-in-australia) 5. [How insurance costs vary by property and cover type](#how-insurance-costs-vary-by-property-and-cover-type) 6. [How cyclone risk affects home insurance premiums](#how-cyclone-risk-affects-home-insurance-premiums) 7. [How home insurance premiums have changed since 2021-22](#how-home-insurance-premiums-have-changed-since-2021-22) 8. [What an insurance cost comparison includes](#what-an-insurance-cost-comparison-includes) Key figures at a glance ACCC 2024-25 $531 National average home contents insurance premium, up **20.1%** from 2021-22 ACCC 2024-25 $2,360 National average combined home and contents premium ACCC pool data 11% Average premium reduction per $100,000 sum insured in medium- to high-cyclone-risk areas in year one after insurers joined the reinsurance pool ACCC 2024-25 $1,270 Insurers' average cost per policy, across all home and contents cover The ACCC's June 2026 insurance monitoring report puts the national average home contents insurance premium at $531 in 2024-25, up 20.1% since 2021-22, with premiums varying sharply by region and cyclone risk. Landlord insurance is measured differently: no official body publishes a national average premium, though the ATO's data-matching program tracks an estimated **1.6 million** policies a year. [ 8 min read Australian Home Insurance Statistics The average home building insurance premium reached $1,852 in 2024-25, up 48.4% since 2021-22, the steepest rise among the ACCC's five measured products. Read full article → ](/home-insurance)[ 7 min read Average insurance cost in Australia in 2026 From home and contents to car, health and pet cover, insurance is one of the fastest-growing lines in the household budget. Read full article → ](/average-insurance-cost)[ 9 min read Average car insurance cost in Australia in 2026 Comprehensive and third-party car insurance premiums vary sharply by state, age and driver profile, with location alone explaining much of the gap. Read full article → ](/average-car-insurance) Section 01 Overview ## How much do contents and landlord insurance cost in Australia? The Australian Competition and Consumer Commission (ACCC) reported the national average home contents insurance premium at **$531** a year in 2024-25, the most recent year with published figures. That number comes from the ACCC's fifth and final insurance monitoring report, released in June 2026. Combined home and contents cover averaged $2,360 in the same year, while home building cover averaged $1,852. Official national average $531 Home contents insurance premium, 2024-25, ACCC insurance monitoring report Official data scale 1.6 million Estimated number of individuals the ATO expects the program to cover in each financial year from 2021-22 to 2025-26 About the data The ATO collects landlord insurance policy and premium data for tax compliance purposes, but the available official datasets do not publish a national average landlord insurance premium. Landlord insurance is still represented in major official compliance datasets. The Australian Taxation Office (ATO) acquires landlord insurance policy and premium data directly from insurers under a dedicated data-matching program expected to cover approximately 1.6 million individuals in each financial year from 2021-22 to 2025-26. It separately reports that **2,335,540** individuals held an interest in a rental property in the 2023-24 income year, up from 2,261,080 the year before. Landlord insurance premiums are among the [rental property expenses](/cost-to-own-a-home) that may be deductible when a property is rented or available to rent on commercial terms. Deductions may need to be apportioned where an expense also relates to private use. ### What do contents and landlord insurance cover? Contents insurance covers belongings inside a home, such as furniture, appliances and clothing, rather than the building itself. It can be bought on its own by renters and owners alike, or bundled with building cover. Landlord insurance may cover risks specific to renting out a property, potentially extending beyond what a standard home or contents policy provides. Inclusions, exclusions and limits vary between policies and providers. Contents insurance Optional May cover belongings against theft, fire and damage. Renters can buy it stand-alone, without building cover. Landlord insurance Optional Cover varies by policy and may include building, contents, loss-of-rent and liability protection. Section 02 Contents cost ## What is the average cost of contents insurance? A national average of $531 does not mean every household pays that amount. The ACCC's data splits contents cover into two broad regions, and the gap between them is real: households in Northern Australia, broadly the tropical north of Queensland, the Northern Territory and parts of Western Australia, paid **$626** on average in 2024-25, about 19% more than the $527 average across the rest of the country. The ACCC defines Northern Australia as all of the Northern Territory and the parts of Queensland and Western Australia that intersect with or are north of the Tropic of Capricorn. National average $531 Home contents insurance, average premium, 2024-25 Northern Australia $626 About 19% above the rest-of-Australia average Rest of Australia $527 Close to the national average of $531 Per $100,000 sum insured $636 Up from $568 in 2021-22, a rise of 12.0% The ACCC also reports premiums relative to the amount of cover provided. A household in a small unit and one in a large house might both hold contents insurance, but they may insure different values of belongings. Measured per $100,000 of sum insured, the national contents premium was $636 in 2024-25, up 12.0% since 2021-22, a smaller rise than the 20.1% increase in raw premiums over the same period. The smaller increase may partly reflect changes in sums insured, although the data does not quantify their precise contribution. Why the latest contents insurance premium data is from 2024-25 The ACCC's dollar figures were published in 2026 but describe the 2024-25 financial year, the most recent period for which insurers have reported full premium data. A more recent official price indicator is available from the ABS, but it is not a new dollar average for contents insurance. The ABS says its broader Insurance category, covering motor vehicle, house and home contents insurance, rose 5.5% in the 12 months to May 2026. What is the average cost of contents insurance in Australia? Has contents insurance gone up in price recently? Section 03 Landlord cost ## What is the average cost of landlord insurance? Landlord insurance sits inside some of the largest compliance datasets the Australian Taxation Office (ATO) holds, even though no single official body publishes a national average premium for it. The ATO acquires landlord insurance policy and premium data directly from insurers, expected to cover approximately 1.6 million individuals in each financial year from 2021-22 to 2025-26. A separate ATO property management program is expected to cover approximately 2.3 million individuals a year. ATO figures also show that 2,335,540 individuals [held an interest in a rental property](/home-ownership) in the 2023-24 income year, up from 2,261,080 the year before. Landlord insurance records 1.6m Estimated number of individuals covered by the ATO landlord insurance data-matching program in each financial year from 2021-22 to 2025-26 Rental property investors 2,335,540 Individuals with an interest in a rental property, 2023-24 income year, up from 2,261,080 in 2022-23 The ATO uses landlord insurance data to check the reporting of rental income, expenses and capital gains, but it does not publish average premiums. ABS housing surveys provide broader information about rental and property ownership, but they also do not report landlord insurance costs. What official landlord insurance data is available? Official sources publish information about landlord insurance, home insurance and rental-property activity, but none provides a national average landlord insurance premium. - **ATO:** landlord insurance policy, premium and claims data used for tax compliance matching. - **ACCC:** average premiums for home, contents, combined home and contents, strata and selected small business insurance. - **APRA:** home insurance affordability, insurer performance and the broader insurance protection gap. - **ABS:** changes in insurance prices through a combined index covering motor vehicle, house and home contents insurance. The national averages of $531 for contents insurance and $1,852 for home building insurance are not landlord insurance averages and cannot be combined to estimate one. Landlord policies may combine different types of cover depending on the policy and property type; what is included varies by provider. Does the ATO collect data on landlord insurance? Section 04 By region ## How home and contents insurance premiums vary by region in Australia North Western Australia recorded the highest average combined home and contents insurance premium in 2024-25, at **$4,966**. This was more than double the $2,310 average across the rest of Australia. The Northern Territory averaged $3,546, while north Queensland averaged $3,117. The ACCC reports these figures across four broad regions rather than all eight states and territories. The data covers combined home and contents insurance, not contents-only or landlord insurance. Average combined home and contents insurance premium by region in Australia, 2024-25 Annual premium, whole dollars Official data Figures cover combined home and contents insurance, not contents-only cover, since this is the finest regional split the ACCC publishes. The regions are not equivalent to Australia's eight states and territories and should not be read as a full jurisdictional comparison. **Source:** ACCC insurance monitoring report, June 2026. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) The table below compares the four ACCC regions by average combined premium and against the rest-of-Australia average. Select a region for more detail Combined home and contents insurance, 2024-25 North Western WANorthern TerritoryNorth QueenslandRest of Australia North Western Australia More than double the rest-of-Australia average Average premium Combined home and contents, 2024-25 $4,966 115% above the rest-of-Australia average of $2,310 Insurer cost per policy (Northern Australia) All home and contents cover, 2024-25 $1,679 Not broken down below this broader grouping, so the figure repeats across North Western WA, the NT and North Queensland Regional premiums are the ACCC's only official geographic split below the national level; a full state and territory table is not published for contents, combined or landlord insurance. The ACCC separately reports insurers' average cost per policy across all home and contents products at $1,679 in Northern Australia and $1,252 in the rest of Australia. These are insurer costs, not consumer premiums, and the Northern Australia figure is not broken down across the three northern regions. **Source:** ACCC insurance monitoring report, June 2026. North Western Australia's average was more than double the rest-of-Australia figure, and cyclone-exposed Northern Australia as a whole, the ACCC's broader grouping covering these three regions, averaged $3,233 for combined home and contents cover, about 40% higher than the $2,310 rest-of-Australia average. The ACCC also found that the largest decreases in average premiums per $100,000 sum insured after insurers entered the cyclone reinsurance pool were concentrated in Northern Australia. Most of the largest increases occurred outside Northern Australia or in inland regions. Which part of Australia has the most expensive home and contents insurance? Is there an official premium table for every state and territory? Section 05 Property type ## How insurance costs vary by property and cover type Cover type has a major effect on the average premium, but the figures are not all directly comparable. Household policies cover an individual home or its contents, while strata insurance covers an entire complex and small business insurance applies to commercial premises. Average insurance premium by product type in Australia, 2024-25 Official data Product Insured Average premium Home contents insurance Household $531 Home building insurance Household $1,852 Small business building and contents insurance Small business $2,064 Combined home and contents insurance Household $2,360 Strata insurance Owners corporation $8,780 **Source:** ACCC insurance monitoring report, June 2026. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Why strata and small business premiums are not directly comparable A strata premium covers building insurance for an entire complex, arranged by the owners corporation and generally funded through strata levies. Small business building and contents cover is a separate ACCC-measured product for business premises, not a household policy, so it sits in this table for scale rather than as something a homeowner or renter would buy. The official premium data does not provide a dollar breakdown by occupancy. ASIC's Moneysmart service instead explains who is generally responsible for arranging building insurance and who may arrange contents cover. Insurance cover typically needed by occupancy type in Australia Official data Occupancy Building cover Contents cover Who usually arranges building cover Owner-occupier (house) Generally arranged by the owner May be arranged by the owner The owner Renter Generally the landlord's responsibility May be arranged by the renter The landlord Landlord (freestanding property) Generally arranged by the landlord May apply to furnished items supplied with the property The landlord Owner in a strata scheme Usually arranged by the owners corporation May be arranged by the owner The owners corporation **Source:** ASIC Moneysmart, choosing home insurance. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) For rental properties, building insurance is generally the landlord's responsibility, while contents insurance for a renter's belongings is separate. Moneysmart also notes that owners who bundle building and contents cover with the same insurer usually pay less than running two separate policies. A landlord's own building cover generally works similarly to an owner-occupier's. Section 06 Hazard risk ## How cyclone risk affects home insurance premiums The ACCC's cyclone reinsurance pool data shows substantial differences in premiums by cyclone-risk level. Measured per $100,000 of sum insured for combined home building and contents cover, premiums before the pool were $283 in areas with no cyclone risk, $345 in low-risk areas and **$708** in medium to high-risk areas, roughly two and a half times the nil-risk figure. Average home insurance premium per $100,000 sum insured by cyclone risk band in Australia Combined home building and contents insurance Official data Before poolYear 1 afterYear 2 after Bars show the same three risk bands before the cyclone reinsurance pool, one year after insurers joined it, and two years after, so before/after comparisons can be read directly. **Source:** ACCC insurance monitoring report, June 2026. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) After insurers joined the pool, average premiums in the highest-risk band fell to $628, an 11% drop, and were $606, or 14% below the pre-pool average, in the second year after entry. Over the same periods, premiums in nil-risk areas rose to $300 and then $306, up 6% and 8% respectively. The ACCC found that this pattern was consistent with the pool directing its largest benefits towards policyholders in higher cyclone-risk areas, while noting that other market factors also affect premiums. The effect is visible at the city level too. Average premium per $100,000 sum insured in selected Australian cities, two years after cyclone reinsurance pool entry Official data City Change since before the pool Karratha, WA down 15% Mackay, Qld down 14% Cairns, Qld down 12% Townsville, Qld down 3% Figures compare average premiums before and after insurers serving each city joined the cyclone reinsurance pool. **Source:** ACCC insurance monitoring report, June 2026. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) 2% high risk Share of Australian home and contents insurance policies by cyclone risk band Nil risk 65% Low risk 33% Medium to high risk 2% Reading this chart **The pool's reach is narrow.** Only about 2% of combined home and contents policies in the ACCC's dataset sit in the medium to high wind-risk bands the pool targets. That is why national averages can keep climbing even as the pool holds down prices for a small, high-risk slice of the market. Source: ACCC insurance monitoring report, June 2026. 1in 4 Households uninsured by 2050 under APRA scenario Under APRA's stress-test scenarios, the share of households in existing freestanding properties without insurance could rise from about one in seven today to about one in four by 2050. APRA states that the scenarios are not forecasts or predictions. Householders insurance recorded mixed quarterly results Gross written premium for APRA's householders insurance class grew 17.4% over two years, from $3.82 billion in the December 2023 quarter to $4.49 billion in the December 2025 quarter. The class recorded a negative insurance service result of $10 million in the March 2026 quarter, and its insurance service result was negative in five of the ten quarters from December 2023 to March 2026. How much has the cyclone reinsurance pool reduced premiums? How many policies are in the cyclone-risk bands targeted by the pool? Section 07 Over time ## How home insurance premiums have changed since 2021-22 Home building, combined home and contents, and strata [insurance premiums have risen much faster](/insurance-premium-increases) than contents insurance since 2021-22. The national average contents premium rose 20.1% to $531 in 2024-25, while home building premiums rose 48.4%, combined home and contents cover rose 46.4%, and strata premiums rose 64.7%. The ACCC's national premium series runs from 2021-22 to 2024-25 for home contents, home building, combined home and contents, and strata insurance. No comparable official landlord insurance premium series is published. Average home insurance premium in Australia by product, 2021-22 to 2024-25 Home contents, home building, combined home and contents, and strata insurance Official data ContentsBuildingCombinedStrata Toggle between products to see growth within each. The table below has the exact year-on-year figures. **Source:** ACCC insurance monitoring report, June 2026, Tables B.1 and B.2. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Average home insurance premium in Australia by product and year Official data Product 2021-22 2022-23 2023-24 2024-25 Change since 2021-22 Home contents $442 $447 $493 $531 +20.1% Home building $1,248 $1,345 $1,564 $1,852 +48.4% Combined home & contents $1,612 $1,838 $2,145 $2,360 +46.4% Strata $5,332 $6,360 $8,121 $8,780 +64.7% **Source:** ACCC insurance monitoring report, June 2026, Tables B.1 and B.2. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Contents insurance rose the least of the four, up **20.1%** over three years. Combined home and contents cover rose 46.4%, while home building premiums rose 48.4% on its own. Strata premiums rose fastest in percentage terms, up 64.7%, although as noted above that figure covers an entire building rather than a single dwelling. The most recent single-year movement was sharpest for building cover: home building premiums rose 18.4% between 2023-24 and 2024-25, more than double the 7.7% rise in contents premiums over the same year. The ACCC's tabulated annual series only extends back to 2021-22. For a longer view, the ABS Consumer Price Index tracks a broader Insurance category covering house, contents and motor vehicle cover combined, which does not isolate contents insurance, but the index rose about 73% between the March quarter of 2016 and the March quarter of 2026, compared with a 30% rise in the original all-industries Wage Price Index over the same period. These percentages compare index movements, not dollar premiums or household expenditure. This long-run comparison reflects percentage index movements rather than specific index values for the Insurance expenditure class. The original all-industries Wage Price Index increased from 123.2 to 160.3 over the same period. In the ABS May 2026 monthly CPI release, Insurance rose 5.5% over 12 months, reflecting increases in premiums for motor vehicle, house and home contents insurance. How much has contents insurance risen since 2021? Does this trend data include landlord insurance? Section 08 Comparing ## What an insurance cost comparison includes According to ASIC's Moneysmart service, price is only one part of comparing insurance policies. Its guidance covers: - the premium and the excess - exclusions and cover limits - legal liability cover - how a policy settles a claim, including replacement value compared with the item's current value Moneysmart points to the Key Fact Sheet and Product Disclosure Statement as the basis for like-for-like comparisons. It also notes one trade-off in particular: a higher excess generally lowers the premium, but increases the amount paid out of pocket if a claim is made. Why the lowest premium is not always the same level of cover Moneysmart's own example: a home that costs $600,000 to rebuild but is insured for only $400,000 is underinsured by 33%, meaning a full loss would leave the owner well short of what's needed to rebuild. The same principle can apply to contents insurance if the sum insured is not enough to replace the insured items. Moneysmart describes comparison websites as a useful starting point, but not a complete market view. It notes that comparison websites may not cover all options, and that some earn money through promoted listings or referral fees. ### General information only This article is based on published Australian insurance, tax and housing data from the ACCC, APRA, ABS, ATO and ASIC Moneysmart. It discusses average premiums, official datasets and market-wide trends. It does not provide financial, tax or insurance advice and does not take into account any individual's circumstances, property, location, policy terms or cover needs. ## References 1. 1. [**Australian Competition and Consumer Commission**](https://www.accc.gov.au/about-us/publications/serial-publications/insurance-monitoring-reports/accc-insurance-monitoring-report-2026): Insurance monitoring report 2026, published 25 June 2026, including average premiums by product, region and cyclone-risk band. 2. 2. [**Australian Competition and Consumer Commission**](https://www.accc.gov.au/media-release/cyclone-reinsurance-pool-reduces-premiums-in-high-risk-areas-but-affordability-pressures-persist): Cyclone reinsurance pool reduces premiums in high-risk areas but affordability pressures persist, media release, 25 June 2026. 3. 3. [**Australian Prudential Regulation Authority**](https://www.apra.gov.au/news-and-publications/mind-gap-insurance-climate-vulnerability-assessment): Mind the gap, an insurance climate vulnerability assessment, published 24 March 2026. 4. 4. [**Australian Prudential Regulation Authority**](https://www.apra.gov.au/news-and-publications/quarterly-general-insurance-performance-statistics): Quarterly general insurance performance statistics, September 2023 to March 2026, released 29 May 2026. 5. 5. [**Australian Bureau of Statistics**](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/may-2026): Consumer Price Index, Australia, May 2026 release, including the Insurance expenditure class. 6. 6. [**Australian Bureau of Statistics**](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/wage-price-index-australia/latest-release): Wage Price Index, Australia, March quarter 2026 release, used for the insurance-versus-wages index comparison. 7. 7. [**ASIC Moneysmart**](https://moneysmart.gov.au/home-insurance/choosing-home-insurance): Choosing home insurance, accessed July 2026. 8. 8. [**ASIC Moneysmart**](https://moneysmart.gov.au/home-insurance/contents-insurance): Contents insurance, accessed July 2026. 9. 9. [**ASIC Moneysmart**](https://moneysmart.gov.au/home-insurance/underinsurance-what-it-is-and-how-to-avoid-it): Underinsurance, what it is and how to avoid it, accessed July 2026. 10. 10. [**Australian Taxation Office**](https://www.ato.gov.au/about-ato/commitments-and-reporting/in-detail/privacy-and-information-gathering/how-we-use-data-matching/landlord-insurance-2021-22-to-2025-26-data-matching-program-protocol): Landlord insurance 2021–22 to 2025–26 data-matching program protocol, last updated 9 June 2023. 11. 11. [**Australian Taxation Office**](https://www.ato.gov.au/about-ato/commitments-and-reporting/in-detail/privacy-and-information-gathering/how-we-use-data-matching/property-management-data-matching-program-protocol): Property management data-matching program protocol, 2018–19 to 2025–26 program, last updated 26 August 2024. 12. 12. [**Australian Taxation Office**](https://www.ato.gov.au/about-ato/research-and-statistics/in-detail/taxation-statistics/taxation-statistics-2023-24/statistics-in-taxation-statistics-2023-24/individuals-statistics-for-taxation-statistics-2023-24): Individuals statistics for Taxation statistics 2023–24, Table 8, rental property interests, published 17 June 2026. 13. 13. [**Australian Taxation Office**](https://www.ato.gov.au/individuals-and-families/investments-and-assets/property-and-land/residential-rental-properties/rental-expenses/common-property-expenses): Common property expenses, rental property expenses guidance, last updated 21 May 2026. 14. 14. [**Australian Bureau of Statistics**](https://www.abs.gov.au/media-centre/media-statements/survey-income-and-housing-results-will-not-be-released): Survey of Income and Housing results will not be released, media statement, 17 July 2025. ## Data Snapshots ![average home insurance premium per 100000 sum insured by cyclone risk band in australia](https://eznpqfufanyahmlyjhnj.supabase.co/storage/v1/object/public/article-covers/snapshots/03e517d2-481e-4723-8c56-1d8b1b238848/average-home-insurance-premium-per-100000-sum-insured-by-cyclone-risk-band-in-australia-8mte.jpg) Average home insurance premium per 100000 sum insured by cyclone risk band in australia ![average combined home and contents insurance premium by region in australia 2024 25](https://eznpqfufanyahmlyjhnj.supabase.co/storage/v1/object/public/article-covers/snapshots/03e517d2-481e-4723-8c56-1d8b1b238848/average-combined-home-and-contents-insurance-premium-by-region-in-australia-2024-25-blgo.jpg) Average combined home and contents insurance premium by region in australia 2024 25 ## Related research [ ![Pet insurance statistics Australia 2026: household spending and uptake](https://images.unsplash.com/photo-1583337130417-3346a1be7dee?auto=format&fit=crop&w=2000&q=80) insurance 20 July 2026 · 9 min read ### Pet insurance statistics Australia 2026: household spending and uptake Australian households reported average annual pet insurance spending of $145 for dogs and $70 for cats in the year to March 2025. 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