Contents Insurance Products

Compare 73 products offered for Contents Insurance from 29 companies including The Home Builders Underwriting Agency, Q Report Jewellery Insurance, and TT Club Mutual Insurance Ltd (Thomas Miller Australasia Pty Ltd).

Our Insurance Comparison Tool allows you to pick the policy that's right for you by displaying every Contents plan offered by Canada's leading insurance providers. If you have questions about this coverage area, check out our Frequently Asked Questions.

Compare Contents Insurance Policies

Products 1 to 10 of 73
Product name Max Coverage Min Premium Exclusions
Home and Contents by Mansions of Australia Max Coverage AUD30M Min Premium N/A


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Home and Contents Executive (Insured Events) by Millennium Underwriting Agencies Pty Ltd Max Coverage AUD20M Min Premium N/A


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Home and Contents Superior (Accidental Damage) by Millennium Underwriting Agencies Pty Ltd Max Coverage AUD20M Min Premium N/A


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Strata Home Contents by CHU Underwriting Agencies Pty Ltd Max Coverage AUD30M Min Premium N/A


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Home and Contents by QBE Insurance (Australia) Ltd Max Coverage AUD30M Min Premium N/A
  • accidental damages (optional benefit)
  • contents at student accommodation (optional benefit)
  • contents in storage (optional benefit)
  • portable contents away from home (optional benefit)


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Extra Care Home and Contents by Calliden Home Max Coverage AUD20M Min Premium AUD300
  • any holiday home or holiday rental property
  • letting of the insured building to any tenant


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Elite Care Home and Contents by Calliden Home Max Coverage AUD20M Min Premium N/A
  • any holiday home or holiday rental property
  • letting of the insured building to any tenant


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Elite Care PLUS Home and Contents by Calliden Home Max Coverage AUD20M Min Premium N/A
  • any holiday home or holiday rental property
  • letting of the insured building to any tenant


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Extra Care PLUS Home and Contents by Calliden Home Max Coverage AUD20M Min Premium N/A
  • any holiday home or holiday rental property
  • letting of the insured building to any tenant


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Residential Students Home Contents by QBE Insurance (Australia) Ltd Max Coverage AUD30M Min Premium N/A
  • actions of the sea
  • cover for glasses in a picture frame, clock and electrical equipment, mobile phones
  • damages as a result of an earthquake or tsunami
  • damages caused by felling or lopping tress at the site
  • damages caused by fluctuations in the power supply unless there is evidence of a lightning strike
  • damages caused by scorching, melting or charring
  • deliberate application of heat
  • flood


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Frequently Asked Questions

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What is Contents Insurance?

Contents (or personal property) insurance provides coverage for personal items or tangible property situated inside a home, office or building. Contents insurance covers risks such as loss, theft or damage so that items can either be repaired, replaced or reimbursed.

Who Needs Contents Insurance?

Any homeowners who have valuable possessions that are not permanently attached to the structure of a house are advised to buy Contents insurance.

Some Home insurance policies automatically include contents either as part of the coverage or as an add-on. However for those who do not own their own home, such as tenants, or landlords renting, Contents insurance is available as a standalone product.

Anyone who owns any of the following items would benefit from Contents insurance:

  • Jewellery
  • Expensive electrical equipment (e.g. televisions, laptop computers, stereo equipment, projectors, mobile devices)
  • Clothing
  • Furniture
  • Carpets
  • Antiques
  • Ornaments
  • Any other valuable items

There are now certain Contents insurance policies which specialize in high value homes and their high value contents including:

  • Wine collections
  • Fur items
  • Silverware
  • Paintings
  • Coin collections
  • Car collections
  • High-priced jewellery

Some Contents insurance policies also include items located in outbuildings, such as garden and sports equipment.

Freezer contents can also be considered if a fridge or freezer breaks down and causing spoilage to the items inside.

Depending on the Contents insurance policy, extra services such as locksmiths, key replacements and emergency repairs by a plumber, electrician or tradesman may also be included.

What Does Contents Insurance Cover?

Contents insurance will cover the following:
  • Stolen property in cases of theft or a burglary
  • Fire damage
  • Water damage in cases of leaks, floods or storms
  • Natural disasters
  • Vandalism or malicious damage
  • Theft or burglary
  • Accidental damage

What Is Not Included In Contents Insurance?

There are certain types of loss or damage not covered by most general Contents insurance policies, including:
  • Gradual wear and tear
  • Building structures
  • Deliberate or self-inflicted damage
  • Lost or stolen items a certain distance beyond the insured property
  • Types of water damage (some insurance policies only include sewer backup and not groundwater/overland flooding
  • Damage caused by DIY gone wrong
  • Damage to computers caused by viruses or cyber hacking

How Much Does Contents Insurance Cost?

Contents insurance can be priced in two different ways:

  • a single item limit
  • a total amount for all valuables

Premiums will be determined based on the value of the single item or total value of the items insured. The cost of personal property should be valued as if being replaced new, however overestimating the value of the goods will affect the price of the premium.

It is also important not to undervalue items as this will result in being underinsured and having to fork out more money to cover the excess costs.