Finder makes money from featured partners, but editorial opinions are our own.

Portable contents insurance

Protect your laptop, phone and other prized possessions outside the home – add on portable contents insurance to these home insurance policies.

1 - 7 of 17
Name Product Portable Contents Cover Home Contents Cover Outdoor Contents Fire, Storm & Theft Damage Accidental Damage to Home or Belongings
Budget Direct Home & Contents Insurance
Optional
Optional
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
Youi Building and Contents Insurance
Optional
Optional
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.
QBE Home & Contents Insurance
Optional
Optional
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Honey Home & Contents Insurance
Optional
5% of contents sum insured
Optional
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Australia Post Home & Contents Insurance
Optional
Optional
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Kogan Home & Contents Insurance
Opitional
Optional
Our verdict: Good comprehensive cover (issued by QBE). Also, get 16% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
Qantas Home and Contents Insurance
BonusFinder Award Finalist
Qantas Home and Contents Insurance
Optional
Optional
Our verdict: Earn up to 20,000 Qantas Points with every Qantas Home Insurance policy you take out by 22 April. T&Cs and exclusions apply.
loading

Woman Phone

Why should I get portable contents insurance?

Portable contents insurance is sometimes referred to as personal effects cover or personal valuables cover. Usually available as an option under your home and contents insurance policy, portable contents insurance allows you to cover items that you regularly take with you when you leave the house, which may not be covered under ordinary contents insurance. These items are usually quite valuable and often some of your most prized possessions.

Items that could be covered under this kind of policy include smartphones, jewellery, handbags, cameras and even bicycles. With portable contents insurance in place, you can enjoy extra protection against accidental loss or damage to your valuable possessions, in or away from home. It offers the peace of mind that if any of your portable valuables are lost, stolen or damaged, you’ll be covered for repair or replacement.

What are the types of cover available?

There are 2 types of portable contents insurance: unspecified portable contents insurance and specified portable contents insurance.

  • Unspecified portable contents insurance covers a wide range of possessions away from home, including handbags, clothing and glasses. Rather than purchasing cover for specific items, this type of insurance allows you to select a general individual item limit and a total claim limit that suits you.
  • Specified portable contents insurance allows you to select specific portable items and insure them for an agreed amount, making it a good choice if you have any high-value items that you want to cover away from home. For example, you might want to insure your new laptop for $2,000, so you would specify this when taking out cover.

What items are covered?

While the exact list of items covered may vary between insurers, portable contents insurance will generally offer cover for the following items:

Unspecified portable contentsSpecified portable contents
Jewellery
  • Yes
  • Yes
Watches
  • Yes
  • Yes
Glasses and sunglasses
  • Yes
  • Yes
Digital cameras
  • Yes
  • Yes
Video cameras
  • Yes
  • Yes
MP3 players
  • Yes
  • Yes
Handbags and luggage
  • Yes
  • Yes
Musical instruments
  • Yes
  • Yes
Sporting equipment (e.g. bicycles)
  • Yes
  • Yes
Mobile phones
  • No
  • Yes
Laptops and tablets
  • No
  • Yes
Portable GPS devices
  • No
  • Yes
Handheld game consoles
  • No
  • Yes

What events are covered?

Portable contents insurance covers accidental loss or damage to your personal valuables anywhere in Australia. Depending on the insurer, you can also typically enjoy cover for accidental loss or damage anywhere in the world. However, there will usually be a time limit on the amount of overseas cover available in any one insured period, with this limit usually set at 35 days.

What are the exclusions?

There are certain situations and events in which portable contents insurance will not provide cover. Often, portable contents insurance will not cover the following:

  • Wear and tear or the gradual deterioration of your goods
  • Theft of or damage to possessions that are left unattended in a public place
  • Tools
  • Any possessions related to your business or trade
  • Domestic pets
  • Camping equipment
  • Items left in an unlocked vehicle or in plain sight in a locked vehicle

What’s the difference between contents insurance and portable contents insurance?

What does contents insurance cover that portable contents insurance doesn’t and vice versa? Check out the key differences in the table below, but remember that not all policies are created equal, so be sure to read the fine print.

What's covered?

Contents insurance
Portable contents insurance
Covers the cost of repairing or replacing your household possessions and furnishings.Covers the items you regularly take with you when you leave home.
Covers furniture, curtains, whitegoods and electrical equipment.Covers mobile phones, cameras, tablets, jewellery, glasses, handbags and sporting equipment.
Covers loss or damage due to fire, storm, flood, theft, vandalism and a range of other defined events. Cover for accidental loss or damage is included in some policies.Covers accidental loss or damage anywhere in Australia (and overseas for limited periods of time).

What does “general portable contents” mean?

If your insurer refers to something known as general portable contents cover, this means the same thing as unspecified portable contents cover. In other words, rather than requiring you to specify the items that you would like covered and the limit to which they are covered, general portable contents insurance offers blanket coverage for a wide range of unspecified items.

Instead of insuring specific items up to a specific limit, you will instead be able to decide on the umbrella limit that applies to all of your portable contents. A maximum limit will also apply to the amount you can claim on any one individual item.

Which items do I need to specify in my policy?

Specified portable contents insurance is usually required to protect high-risk and high-value items. For example, mobile phones and tablets, such as iPads, are seen as high-risk items because you regularly take them out and about with you. They can be easily lost and they’re also a common target for thieves.

Meanwhile, high-value items are usually possessions that are valued at $1,000 or more, such as engagement rings and digital cameras. Because the value of these items will usually exceed the individual item limit on unspecified portable contents insurance, you’ll need to specify these items and their value when applying for cover.


Compare Home Insurance

Why you can trust Finder's home insurance experts

free

We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Read more:

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site