Homeowners across Queensland—especially in regional and disaster-prone areas—are struggling under the crushing weight of skyrocketing home insurance premiums. Many families are paying more than $6,000 a year just to protect their homes, while others are forced to go without insurance altogether because they simply can’t afford it. Small business owners and retirees on fixed incomes are hit the hardest, with some facing the heartbreaking choice between paying their premiums or covering basic living expenses. Without affordable insurance, entire communities are left vulnerable to the devastating financial impact of cyclones, floods, and other natural disasters.

If nothing changes, these rising premiums will continue to push more Queenslanders into financial distress. Families will remain exposed and unprotected, unable to rebuild if disaster strikes. The lack of competition in the insurance market has created a crisis—one where private insurers prioritise profits over people. But if we act now to bring back the State Government Insurance Office (SGIO), we can create a fair and affordable alternative. Reestablishing SGIO will restore competition, lower premiums, and ensure that all Queenslanders, no matter where they live, can access the insurance protection they need and deserve.

Now is the time to act. Queensland can’t afford to wait any longer while more families go uninsured and communities are left vulnerable. By reinstating SGIO, the state government can take bold, decisive action to fix this broken system and provide real relief to households across Queensland. Join us in calling on the Queensland Government to bring back SGIO and make home insurance affordable and accessible again—for everyone.