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1 - 7 of 10

Name	Product	Finder score
Huddle Comprehensive Contents Insurance Huddle Comprehensive Contents Insurance 3.5/5★★★★★ Finder score	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	3.5/5★★★★★ Finder score	View details Compare	loading Fetching your data...
Youi Contents Insurance Youi Contents Insurance 4/5★★★★★ Finder score Best Rated Brand	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	4/5★★★★★ Finder score	Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.	Get a quote View details Compare	loading Fetching your data...
Budget Direct Contents Insurance Budget Direct Contents Insurance 4.5/5★★★★★ Finder score Bonus	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	4.5/5★★★★★ Finder score	Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you 15% off your first year. You need to pay extra for flood cover and accidental damage.	Get a quote View details Compare	loading Fetching your data...
QBE Contents Insurance QBE Contents Insurance 3/5★★★★★ Finder score Green Company	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	3/5★★★★★ Finder score	Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.	Get a quote View details Compare	loading Fetching your data...
Honey Contents Insurance Honey Contents Insurance 4.5/5★★★★★ Finder score	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	4.5/5★★★★★ Finder score	Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates the value of your contents. It was also a finalist for the comprehensive category in the Finder Awards.	Get a quote View details Compare	loading Fetching your data...
Australia Post Contents Insurance Australia Post Contents Insurance 3.5/5★★★★★ Finder score	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	3.5/5★★★★★ Finder score	Our verdict: Covers common claims such as fire, storms and water damage. Like most contents policies, you need to pay extra for accidental damage cover.	Get a quote View details Compare	loading Fetching your data...
Kogan Contents Insurance Kogan Contents Insurance 3.5/5★★★★★ Finder score Bonus	Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features Storm Fire Theft Flood Accidental Damage (e.g TV falls) Impact to home (e.g falling trees) Escaped water (e.g burst pipe) Portable contents (e.g dropped laptop outside of home) + more insured events and other features	3.5/5★★★★★ Finder score	Our verdict: Good comprehensive cover (issued by QBE). Also, get a 6% discount off your first year plus $10 ongoing monthly credit. T&Cs apply.	Get a quote View details Compare	loading Fetching your data...

Home insurance brands

What is contents insurance?

Contents insurance is a type of home insurance. It covers the items inside your home, such as your TV, furniture or art, without providing any cover for the actual building.

You can buy contents insurance as a standalone policy or bundle it with building insurance. Standalone policies are ideal for renters and are generally pretty affordable.

Usually, contents insurance is highly customisable. You may be able to add cover for items you take outside of the home as well as for high-value items.

What does contents insurance cover?

Most items within your home will be covered by your contents insurance. Although they vary slightly between insurance brands, the following are some common inclusions:

Carpets and rugs
Furnishings
Household electrical appliances
Above-ground swimming pools
Wheelchairs and mobility aids
Tools and gardening equipment
Paintings and works of art

Furniture
Fixtures and fittings
Blinds and curtains
Spas
Potted plants
Tools of your trade

Many personal effects are also covered by home insurance, including the following:

Bicycles
Binoculars and telescopes
Clothing and accessories
Jewellery and medals
Musical instruments
Music systems and radios
Sporting equipment
Writing instruments

Baby capsules and prams
Children's toys
Cosmetics
Medical aids
Cameras, video equipment and accessories
Glasses, sunglasses and contact
Watches and clocks
Non-fabric camping equipment

When am I covered?

Contents insurance kicks in when your belongings are damaged in a specific way. These are called insured events. Take a look at the events below so you know when you'll be covered.

Insured event	Example	Watch out for
Fire	A bushfire or kitchen fire	⚠️ Policies might not pay out for damage caused where there was heat but no flame. For example, smoke damage, scorching or melting.
Theft and attempted theft	Your home is burgled	⚠️ Your policy won't pay out if the theft was by someone who entered your home with your permission.
Storms and rainwater	Surface run-off water enters your home	⚠️ Unless you have flood cover, you won't be covered for water damage that's due to a body of water breaking its banks.
Escape of liquid	A pipe bursts	⚠️ Contents insurance is unlikely to cover the cost of the item that caused the leak.
Lightning	Lightning strikes your home	⚠️ The damage must be caused by a direct lightning strike or thunderbolt
Malicious damage	Someone breaks into your home and vandalises it	⚠️ Your policy won't pay out if the damage was by someone who entered your home with your permission.
Impact	A tree falls on your home or a car loses control and drives into it	⚠️ You won't be covered if you authorised a tree to be cut down and then it falls on your home.
Earthquake or tsunami	A tsunami hits your waterfront home	⚠️ The tsunami must be caused by an earthquake rather than by "actions of the sea".
Breakage of glass, ceramic and sanitary features	A mirror breaks or the glass in a display cabinet breaks	⚠️ Glass in TVs, tablets and mobile phones are generally not covered.
Explosion	Your water boiler explodes, destroying the furniture and belongings in the adjacent room.	⚠️ Contents insurance is unlikely to cover the cost of the item that exploded.
The following insured events are usually optional extras:
Flood	A nearby river breaks its banks, flooding your home	⚠️ This is usually an optional extra. You may have to pay more money for this cover.
Accidental damage	You spill red wine on the carpet or your dog knocks over your TV.	⚠️ You won't be covered for general wear and tear, including chips, scratches and dents.

How much does contents insurance cost?

We got quotes from 14 different home insurers and found that policies can start from $23 a month.

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When you get a quote from an insurer, it will probably vary from these prices because it's entirely based on the value of your stuff. But at least you get an idea, right?

Here's the rest of the research so you can see how different insurers stack up against each other on a monthly and annual basis.

$20,000 of contents - Monthly price	$20,000 of contents - Annual price	$50,000 of contents - Monthly price	$50,000 of contents - Annual price	Get a quote
$44.88	538.63	$54.11	$649.33	More info
$44.88	538.63	$54.11	$649.33	More info
$39.18	$419.75	$44.57	$477.54	More info
$19.94	$191.08	$25.91	$250.81	More info
$37.26	$399.16	$42.39	$454.10	More info
$31.80	$307.22	$40.09	$394.33	More info
$24.65	$281.70	$25.88	$295.78
$25.05	$250.51	$31.07	$310.75	More info
$59.47	$713.64	$72.59	$871.02	More info
$34.72	$351.27	$37.99	$380.30	Get quote
$33.31	$336.05	$35.69	$360.82	More info
$35.04	$354.78	$38.29	$384.11	More info
$39.19	$413.23	$44.68	$479.08	More info
$38	$400	$43	$454	More info
$39.51	$396.62	$42.35	$429.39	Get quote
$33.12	$354.80	$37.68	$403.66	More info
$32.81	$354.29	$35.16	$379.76	Get quote

We rounded all the quotes to the nearest dollar. The customer profile had no previous claims and a $500 excess.

Learn more about our methodology

Quotes were obtained for the same 3-bedroom New South Wales home in Baulkham Hills owned by a family of 2.
The homeowning family moved into their property in 2019.
Quotes were obtained in November 2021 and were for contents insurance only.

The house was a 3-bedroom, 1-story freestanding house on flat ground with brick veneer walls, terracotta tiled roof, no verandas and built in 1980.
Windows were secured by deadlocks, with no security devices.

Want to save hundreds of dollars?

For contents worth $50,000, we found a difference of $620.21 between the cheapest and most expensive policy. Want to start saving? Compare prices and switch policies.

How much contents insurance do I need?

That's a tough one. It really depends on how much stuff you have and how valuable it is. Here are some tips on getting an accurate estimate:

Go from room to room, listing and valuing every item
Take photos when you're doing this or collect receipts if possible
Use a contents insurance calculator online
If you still have concerns, consider using an expert

Remember: Contents insurance covers everything from simple cosmetics and toiletries to expensive furniture and artwork. Try not to overlook anything.

How can I get the most out of contents insurance?

Contents insurance comes with heaps of cool benefits. Some are included as standard, while others you can pick and choose. Take a look at some examples below.

Temporary accommodation

If your home is unliveable, your contents insurance will pay for emergency accommodation.

Portable contents

Sometimes called personal effects, this extra benefit covers the things you take outside of your home. It includes jewellery and bicycles, but not phones or laptops.

Food spoilage

Lots of policies will pay out if an insured event ruins the food in your home. For example, a burst pipe cuts the power and everything in your freezer is ruined.

Motor burnout

This option covers you for loss or damage to electric motors, commonly found in appliances like fridges, freezers or washing machines.

Vet's expenses

Some policies will pay a benefit if your pet suffers an injury – regardless of whether it happened inside the home or out.

Specified items

Contents insurance sets a limit for the amount you can claim per item. If you have any high-value items, be sure to specify them.

How to save on contents insurance

For the level of protection you get, contents insurance is pretty affordable. But there are still ways to cut the cost of cover and score a serious bargain.

Shop around. We compared the cost of $50,000 worth of contents insurance and found a difference of $482 between the cheapest and most expensive policy.

Look for discounts. Insurance companies often run deals to attract new customers. You can usually get up to 15% off a new contents policy. Check them out here.

Bundle cover. Some insurance brands will reduce the cost of your premium if you have more than one type of cover. Consider bundling your car insurance to save more cash.

Pay annually. You'll usually get a discount if you pay annually rather than monthly. Some insurers will also give you a discount if you buy online rather than over the phone.

Raise your excess. Choosing a higher excess will reduce the cost of your premium, but make sure the excess is affordable. There's no point pricing yourself out when it comes to claim time.

Don't be shy. Ask the insurer if there's any way you can get a better deal. They might be able to tell you about an offer that's running or give you a price cut.

What isn't covered by contents insurance?

Contents insurance helps in heaps of different situations, but it won't cover everything. Here are some common exclusions to be aware of:

Actions of the sea, except tsunamis
Asbestos
Illegal activity
Defects and structural faults
Earth movement

Wear and tear
Neglect
Repossession
Vermin

Contents insurance for renters

Contents insurance covers most of your belongings kept inside the home. You don't need to insure the building since that's the landlord's responsibility.

It'll also cover some semi-permanent features – like air-con units, ovens and carpets – as long as you paid for them.

Check out our guide to renter's insurance for more information.

Contents insurance for landlords

Landlord insurance covers both the fixtures and fittings inside your property, including built-in wardrobes, shelving units, ceiling fans and kitchen countertops.

You can also add cover for malicious damage and tenant default.

Check out our guide to landlord's insurance for more information.

Compare contents insurance deals for July 2024

You could save up to 15% on the price of your policy just by taking advantage of a sign-up offer.

Deal

15% online discount on contents insurance

Save 15% on your first year's premium when you purchase cover online. T&Cs apply.

Get deal

Deal

Get 10% off your first years’ premium with QBE Contents only Insurance

Discount is for new customers who sign up online. Terms and conditions apply.

Get deal

Deal

10% off on your premium for the first year + $10 credit

Get deal

Why you can trust Finder's home insurance experts

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You save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.

You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

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