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.
1 - 8 of 66
Compare other products
We currently don't have that product, but here are others to consider:
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:
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.
⚠️ 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 June 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.
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.
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:
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.
Other questions you might have about contents insurance
A. That depends on who owns the contents. If you're a tenant and you want to insure your important possessions, you'll need to consider renter's insurance. However, landlords who lease out fully furnished properties can also benefit from contents insurance. In addition, landlord contents insurance can also provide cover for other contents that are the landlord's responsibility, including carpets, curtains and some electrical appliances.
A. Yes, renter's contents-only insurance policies can provide legal liability cover if you are legally liable when someone else suffers an injury or damage to their property.
A. 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.
A. 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.
A. 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.
A. You can buy contents insurance online or by contacting an insurer over the phone.
A. Contents insurance cover for pets varies widely between insurers. Generally speaking, pets aren't covered as standard, but many insurers offer pet cover as an optional extra. This benefit can help cover your vet bills if your dog or cat suffers an accidental injury. However, keep in mind that most insurers will not provide any cover for damage to your contents caused by a domestic pet.
You won't be covered for general wear and tear or poor maintenance
You won't be covered for the fish
A. If your insurer offers "new for old" replacement, that means your damaged item will be replaced with a new version, regardless of its age. Without this, you might end up with a minimal cash payout that wouldn't be enough to buy a replacement item.
A. 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.
A. Sometimes. You can usually add "personal effects" cover or "portable contents" cover to your policy. This will cover some items if you take them away from your home. Bicycles, jewellery and cameras are usually covered, but phones, laptops and drones typically aren't.
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 249 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Find out more about watch insurance and how to get cover.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
