Portable contents insurance

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

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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
20% of your contents sum insured
Optional
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Australia Post Home & Contents Insurance
Optional
Optional
Get a $100 gift card when you buy a combined home and contents insurance policy from Australia Post.
Virgin Home and Contents Insurance
20% of your contents sum insured
Optional
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 30% on your first year’s premium. T&Cs Apply.
Westpac Home and Contents Insurance
Save up to 25% when you purchase cover online. Promo code: COVER
Domain Home Buildings & Contents Insurance
Up to specified Value
Get 15% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.
Seniors Top Home & Contents Insurance
Optional
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.
Real Top Home and Contents Insurance
Optional
Save up to 20% when you purchase combined Home and Contents online.
St. George Home and Contents
Save up to 25% when you purchase cover online. Promo code: COVER
Qantas Home and Contents Insurance
Optional
Optional
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Youi Building and Contents Insurance
20% of your contents sum insured
Optional
Youi Home Insurance takes the time to tailor a premium for you.
QBE Home & Contents Insurance
Optional
Optional
Save up to 20% on your first years’ premium with a new combined QBE Home and Contents policy online. T&Cs apply.
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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 and 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 types of cover are available?

There are two 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 (eg, 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 else 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:

  • 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 (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.


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