Contents insurance can protect your laptop, TV and sofa from things like fires, theft and accidental damage. Compare policies side-by-side and click through for quotes.
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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:
While contents insurance can cover many things, it’s important to keep an eye on sub-limits. For example, jewellery may be covered but it may have a limit of up to $5,000. This means if your jewellery exceeds this cost, you can’t claim back more than $5,000. That’s worth keeping in mind if you’ve got an expensive ring or watch that you plan to insure.
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. Keep in mind, every insurer is different and ‘insured events’ can vary between providers. It’s always best to read your product disclosure statement (PDS) to know exactly what you’re covered for.
⚠️ 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.
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.
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 three-bedroom New South Wales home in Baulkham Hills owned by a family of two.
Homeowning family of two who moved into their property in January 2019.
Quotes were obtained in July 2025 and were for contents insurance only.
Three-bedroom, one story freestanding house on flat ground with brick veneer walls, terracotta tiled roof, no verandas and built in 1980.
Windows secured by deadlocks, with no security devices.
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.
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 as the result of an insured event.
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. It’s our job to compare the differences between policies and their pricing and let me tell you, there’s some pretty insane price differences for almost identical coverage. It’s always worth comparing at least 5 providers to make sure you’re not being ripped off.
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:
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.
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.
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home Insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
If the contents belongs to the renter, then the renter will pay for the contents insurance. Landlords can opt to take out contents insurance but it’d only cover their own belongings, like the oven or the dishwasher, if they’ve provided that in the house. Their policy won’t cover your belongings, only your own policy can do that.
Most policies require you to pay an excess when you make a claim. However, many insurers allow you to adjust your excess to vary your premium amount, so contact your insurer to find out the minimum excess available.
Yes, it's still possible to have your claim paid even if you haven't kept receipts. The insurer will ask you to show proof of ownership, which you may be able to do by providing photographs of the items in your house, warranty cards, instruction manuals, valuation certificates, original packaging, credit card statements and, in some cases, serial numbers. Contact your insurer for details of what they will accept as proof of ownership if you are unable to provide receipts.
If you live in a granny flat, and don't own it, then contents insurance could be the right way to go. You won't need cover for the building since the owner or landlord should have that part covered.
You can buy contents insurance online or by contacting an insurer over the phone.
There are two ways to look at this. Firstly, if something happens to your pet as the result of an insured event, some providers may cover their injuries, up to a certain limit. Secondly, if your pet causes damage to your contents, this isn’t covered. For example, your dog eats your expensive jewellery or ruins your carpet - that won’t be covered.
Yes, to a certain value. Insurers put a cap on the amount you can claim per piece of jewellery. If your ring is worth more than that, don't worry. You can list the item on your insurance policy, with its value, and have peace of mind that it's properly covered.
If you want cover for items when they’re outside of the home, you’ll need to add portable contents insurance to your policy. You can cover things like your bicycle, expensive jewellery and handbags. Typically, you can’t cover things like your mobile phone.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 251 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
Find out more about watch insurance and how to get cover.
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