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AUSTRALIAN-SENIORS-ESSENTIAL-CONTENTS View product
AUSTRALIAN SENIORS ESSENTIAL CONTENTS
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AUSTRALIAN-SENIORS-TOP-CONTENTS View product
AUSTRALIAN SENIORS TOP CONTENTS
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BANK-OF-MELBOURNE-PREMIER-CARE-CONTENTS View product
BANK OF MELBOURNE PREMIER CARE CONTENTS
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BANK-OF-MELBOURNE-QUALITY-CARE-CONTENTS View product
BANK OF MELBOURNE QUALITY CARE CONTENTS
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BANKSA-PREMIER-CARE-CONTENTS View product
BANKSA PREMIER CARE CONTENTS
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BANKSA-QUALITY-CARE-CONTENTS View product
BANKSA QUALITY CARE CONTENTS
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CGU-ACCIDENTAL-DAMAGE-CONTENTS View product
CGU ACCIDENTAL DAMAGE CONTENTS
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CGU-FUNDAMENTALS-CONTENTS View product
CGU FUNDAMENTALS CONTENTS
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CGU-LISTED-EVENTS-CONTENTS View product
CGU LISTED EVENTS CONTENTS
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GIO-CLASSIC-CONTENTS View product
GIO CLASSIC CONTENTS
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GIO-CLASSIC-EXTRAS-CONTENTS View product
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HUDDLE-BASIC-CONTENTS View product
HUDDLE BASIC CONTENTS
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HUDDLE-COMPREHENSIVE-CONTENTS View product
HUDDLE COMPREHENSIVE CONTENTS
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KOGAN-ESSENTIAL-CONTENTS View product
KOGAN ESSENTIAL CONTENTS
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NRMA-HOME-PLUS-CONTENTS View product
NRMA HOME PLUS CONTENTS
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RACQ HOUSEHOLD CONTENTS
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REAL-INSURANCE-ESSENTIAL-CONTENTS View product
REAL INSURANCE ESSENTIAL CONTENTS
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REAL-INSURANCE-TOP-CONTENTS View product
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SGIC-HOME-PLUS-CONTENTS View product
SGIC HOME PLUS CONTENTS
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SGIO-HOME-PLUS-CONTENTS View product
SGIO HOME PLUS CONTENTS
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STGEORGE-PREMIER-CARE-CONTENTS View product
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STGEORGE-QUALITY-CARE-CONTENTS View product
ST.GEORGE QUALITY CARE CONTENTS
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SUNCORP-CLASSIC-ADVANTAGES-CONTENTS View product
SUNCORP CLASSIC ADVANTAGES CONTENTS
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SUNCORP CLASSIC CONTENTS
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SUNCORP-CLASSIC-EXTRAS-CONTENTS View product
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WESTPAC-PREMIER-CARE-CONTENTS View product
WESTPAC PREMIER CARE CONTENTS
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WESTPAC QUALITY CARE CONTENTS
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WOOLWORTHS-STANDARD-CONTENTS View product
WOOLWORTHS STANDARD CONTENTS
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Type
Insurer
AAMI
ANZ
Apia
Apia
Australian Seniors
Australian Seniors
Bank of Melbourne
Bank of Melbourne
BankSA
BankSA
CGU
CGU
CGU
Coles
GIO
GIO
GIO
Huddle
Huddle
Kogan
Kogan
NRMA
NRMA
RAA
RAC
RACQ
RACV
Real Insurance
Real Insurance
SGIC
SGIC
SGIO
SGIO
St.George
St.George
Suncorp
Suncorp
Suncorp
Westpac
Westpac
Woolworths
Woolworths
Youi
Policy
Contents
Contents
Contents
Contents Extra
Essential Contents
Top Contents
Premier Care Contents
Quality Care Contents
Premier Care Contents
Quality Care Contents
Accidental Damage Contents
Fundamentals Contents
Listed Events Contents
Home Contents
Classic Contents
Classic Extras Contents
Platinum Contents
Basic Contents
Comprehensive Contents
Essential Contents
Top Contents
Home Contents
Home Plus Contents
Contents
Contents
Household Contents
Contents
Essential Contents
Top Contents
Home Contents
Home Plus Contents
Home Contents
Home Plus Contents
Premier Care Contents
Quality Care Contents
Classic Advantages Contents
Classic Contents
Classic Extras Contents
Premier Care Contents
Quality Care Contents
Comprehensive Contents
Standard Contents
Contents
Underwriter
AAI Limited
QBE Insurance (Australia) Limited
AAI Limited
AAI Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Westpac General Insurance Limited
Westpac General Insurance Limited
Westpac General Insurance Limited
Westpac General Insurance Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
AAI Limited
AAI Limited
AAI Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Insurance Australia Limited
Insurance Australia Limited
RAA Insurance Limited
RAC Insurance Pty Limited
RACQ Insurance Limited
Insurance Manufacturers of Australia Pty Ltd
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Insurance Australia Limited
Westpac General Insurance Limited
Westpac General Insurance Limited
AAI Limited
AAI Limited
AAI Limited
Westpac General Insurance Limited
Westpac General Insurance Limited
The Hollard Insurance Company Pty Ltd
The Hollard Insurance Company Pty Ltd
Youi Pty Ltd
Website
https://www.aami.com.au/home-insurance.html
https://www.wealth.anz.com/insurance/home-contents-insurance
https://www.apia.com.au/home-insurance/home-and-contents.html
https://www.apia.com.au/home-insurance/home-and-contents.html
https://www.seniors.com.au/home-contents-insurance
https://www.seniors.com.au/home-contents-insurance
https://www.bankofmelbourne.com.au/personal/insurance/home-insurance
https://www.bankofmelbourne.com.au/personal/insurance/home-insurance
https://www.banksa.com.au/personal/insurance/home-insurance
https://www.banksa.com.au/personal/insurance/home-insurance
https://www.cgu.com.au/personal/home-insurance
https://www.cgu.com.au/personal/home-insurance
https://www.cgu.com.au/personal/home-insurance
https://financialservices.coles.com.au/insurance/home-insurance
https://www.gio.com.au/home-insurance.html
https://www.gio.com.au/home-insurance.html
https://www.gio.com.au/home-insurance.html
https://www.huddle.com.au/home-insurance
https://www.huddle.com.au/home-insurance
https://www.koganinsurance.com.au/home-contents-insurance/home-contents-insurance-2/
https://www.koganinsurance.com.au/home-contents-insurance/compare-home-insurance/
https://www.nrma.com.au/home-insurance
https://www.nrma.com.au/home-insurance
https://www.raa.com.au/insurance/home-and-contents-insurance
https://www.rac.com.au/home-life/home-insurance/home-and-contents-insurance
https://www.racq.com.au/insurance/get-insurance/home-and-contents-insurance
https://www.racv.com.au/in-your-home/insurance/home-insurance.html
https://www.realinsurance.com.au/home-insurance
https://www.realinsurance.com.au/home-insurance
https://www.sgic.com.au/home-insurance
https://www.sgic.com.au/home-insurance
https://www.sgio.com.au/home-insurance
https://www.sgio.com.au/home-insurance
https://www.stgeorge.com.au/personal/insurance/home-insurance
https://www.stgeorge.com.au/personal/insurance/home-insurance
https://www.suncorp.com.au/insurance/home.html
https://www.suncorp.com.au/insurance/home.html
https://www.suncorp.com.au/insurance/home.html
https://www.westpac.com.au/personal-banking/insurance/home-contents/combined
https://www.westpac.com.au/personal-banking/insurance/home-contents/combined
https://insurance.woolworths.com.au/home-insurance.html
https://insurance.woolworths.com.au/home-insurance.html
https://www.youi.com.au/home-insurance
Contents cover Expand to view more details.

The sum insured is the maximum amount your insurer will pay to replace your contents. If a policy has an underinsurance safety net (also called "gap cover") the insurer will pay a percentage above your sum insured if necessary.

• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• Up to 20% safety net
• Nominate a sum insured
• Up to 10% safety net
• Nominate a sum insured
• Up to 20% safety net
• Nominate a sum insured
• Up to 10% safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• Up to 25% safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• Up to 25% safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• Up to 25% safety net
• Nominate a sum insured
• Up to 20% safety net
• Nominate a sum insured
• Up to 10% safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• Up to 20% safety net
• Nominate a sum insured
• Up to 10% safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
• Nominate a sum insured
• No underinsurance safety net
How to claim
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
24/7 phone
24/7 phone
24/7 phone
24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and phone (not 24/7)
24/7 phone and in branch
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Online and 24/7 phone
Pay-by-the-month charge Expand to view more details.

This is sometimes described as a discount for paying annually, but it amounts to the same thing.

Costs
ACT price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the territory.

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not applicable
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not applicable
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NSW price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state.

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not applicable
not applicable
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not applicable
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not applicable
not applicable
not applicable
not applicable
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NT price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the territory.

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not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
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$
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$
not applicable
not applicable
not applicable
North Queensland price comparison Expand to view more details.

North of Rockhampton. The fewer dollar signs, the cheaper the policy compared to other products available in the region.

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not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
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not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
not applicable
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not applicable
not applicable
$
South Queensland price comparison Expand to view more details.

Rockhampton and below. The fewer dollar signs, the cheaper the policy compared to other products available in the region.

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not applicable
not applicable
not applicable
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$$$$$
not applicable
not applicable
$$$
not applicable
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$$$
not applicable
not applicable
not applicable
not applicable
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$$$
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$$
SA price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state.

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$
not applicable
not applicable
not applicable
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not applicable
not applicable
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not applicable
not applicable
not applicable
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$$$
$$$$$
not applicable
not applicable
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$$$
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$$$$
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$$$
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$$$
Tasmania price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state.

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not applicable
not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
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Victoria price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state.

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not applicable
not applicable
not applicable
not applicable
not applicable
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not applicable
not applicable
not applicable
not applicable
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WA price comparison Expand to view more details.

The fewer dollar signs, the cheaper the policy compared to other products available in the state.

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not applicable
not applicable
not applicable
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not applicable
not applicable
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not applicable
not applicable
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Covered events
Fire Expand to view more details.

Includes explosion and bushfire, grassfire, etc. Waiting periods for bushfire may apply unless you are switching from another policy with equivalent cover with no change in sum insured. In some policies the actual exploding object is not covered.

Theft Expand to view more details.

Includes loss or damage caused by attempted theft.

• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• Only when forced entry is present
• No cover when thief enters with your consent
• Yes
• Money/negotiable instruments only covered when forced used to enter building
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
• Yes
• No cover when thief enters with your consent
Escape of liquid Expand to view more details.

From pipes, tanks, pools, spas, baths/basins, aquariums, waterbeds etc. Excludes faulty workmanship or leaks that cause damage over time.

• Yes
• Yes
Storm and cyclone Expand to view more details.

Waiting periods may apply unless you are switching from another policy with equivalent cover with no change in sum insured.

Lightning Expand to view more details.

Damage caused by lightning - either direct strikes or power surges.

Flood Expand to view more details.

Flood as per the standard industry-wide definition. You may have the option to opt out, even if the cover is included by default. Waiting periods may apply unless you are switching from another policy with equivalent cover with no change in sum insured.

• Yes
• Opt out for low risk customers
• Yes
• Opt out for low risk customers (except QLD)
• Yes
• Opt out for low risk customers (except QLD)
• Yes
• Can opt out
Storm surge Expand to view more details.

Where the sea level rises as a result of a storm. You may also have to claim for storm damage or flood for this to be covered. Some insurers only cover in the event of cyclone. If this is important cover for you, check the PDS.

• Yes
• Only if as a result of storm
• Yes
• Only if as a result of flood
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm or flood
• Yes
• Only if as a result of storm or flood
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of storm
• Yes
• Only if as a result of cyclone
• Yes
• Only if as a result of cyclone
Action of the sea Expand to view more details.

This usually covers the normal movements of the sea, including damage from king high tides, water erosion, etc.

Impact damage Expand to view more details.

Cover if a tree falls on your house or a car crashes into your front room, for example. Some insurers that cover animal damage do so under this event.

Animal damage Expand to view more details.

This cover often comes with a range of exclusions - insect damage typically isn't covered, for example.

• Yes
• Pet damage not covered
• Yes
• Pet damage covered under optional accidental damage cover
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage covered
• Yes
• Pet damage not covered
• Yes
• Pet damage covered
• Yes
• Pet damage not covered
• Yes
• Pet damage covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Optional cover for pet damage
• Yes
• Optional cover for pet damage
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Optional cover for pet damage
• Yes
• Optional cover for pet damage
• Yes
• Optional cover for pet damage
• Yes
• Optional cover for pet damage
• Yes
• Pet damage covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage not covered
• Yes
• Pet damage covered
• Yes
• Pet damage not covered
Vandalism Expand to view more details.

May also be called "malicious damage". Some insurers also classify "riot" as a separate event.

Earthquake Expand to view more details.

Earthquake cover commonly has a minimum $500 excess. Check the PDS.

Tsunami Expand to view more details.

Products that cover tsunami usually include it under earthquake cover. Minimum $500 excess may apply, check the PDS.

Accidental breakage Expand to view more details.

Damage to easily broken objects like mirrors. Not to be confused with accidental damage, which is a broader level of cover.

Accidental damage Expand to view more details.

Cover for accidental damage to insured items at the home.

Legal liability Expand to view more details.

Cover for when a member of your household is responsible for damage to or loss of another's property, or another person's injury or death.

• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $30 million
• Cover for people named on the policy
• Cover anywhere in the world
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in the world
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in the world
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia except the insured address
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia and New Zealand
• Cover at the insured address for renters and strata owner-occupants only
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy
• Cover anywhere in Australia and New Zealand
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for people named on the policy, plus their family members living with them
• Cover anywhere in Australia
• Up to $20 million
• Cover for anyone living at the insured address
• Cover anywhere in Australia
Legal liability cover for renters Expand to view more details.

Cover for renters if you are legally liable for damage to your rented home, for example if you cause a kitchen fire or your washing machine overflows and damages flooring.

Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Fire damage only
Fire and leaking water damage only
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Fire and leaking/overflowing water damage only
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
Accidental breakage of glass only (e.g. fixed mirrors, ceramic cooktops)
• Carpets, fixtures and fittings only
• Up to 10% sum insured only
Claims
Contents
New for old contents replacement Expand to view more details.

All insurers promise to replace contents with equivalent new items, although some policies have exceptions.

• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for floor carpets that are over 10 years old, clothing
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for paintings, pictures, works of art, sculptures, ornaments, art objects, collections, memorabilia and antiques
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
• Yes
• Exceptions for computers over 4 years old; clothing, shoes and linen out of use/stored away
Cover for specially listed valuables Expand to view more details.

For an extra premium you can insure individual portable valuables against accidental loss or damage at and away from home. Select a sum insured up to limits set by the insurer.

Cover for unlisted portable contents Expand to view more details.

Many insurers will cover a limited range of items for accidental loss or damage away from home.

• Up to $1000 per item
• Up to $5000 overall
• Optional extra
• Most contents covered as though they were at home
• Optional extra
• Up to $1000 per item
• Optional extra
• Up to $1000 per item
• Optional extra
• Up to $1000 per item
• Up to $7500 overall
• Optional extra
• Up to $1000 per item
• Up to $15000 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
Up to $20000 per item
• Sublimits for some valuables
Not covered
Up to $20000 per item
• Sublimits for some valuables
• Up to 50% overall limit per item
• Choose from options up to $10000 overall
• Optional extra
• Up to $1000 per item
• Optional extra
• Up to $1000 per item
• Up to $4000 overall
Most contents covered as though they were at home
Not covered
Not covered
• Up to $1000 per item
• Up to $7500 overall
• Optional extra
• Up to $1000 per item
• Up to $15000 overall
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $10000 per item
• Optional extra
• Most contents covered as though they were at home
• Optional extra
• Up to $1000 per item
• Up to $5000 overall
• Optional extra
• Up to $2000 per item
• Up to $8000 overall
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $1000 per item
• Up to $7500 overall
• Optional extra
• Up to $1000 per item
• Up to $15000 overall
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $10000 per item
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Most contents covered as though they were at home
• Optional extra
• Up to $1000 per item
• Optional extra
• Up to $1000 per item
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $2000 per item
• Up to $7500 overall
• Optional extra
• Up to $1000 per item
• Up to 40% sum insured
• Optional extra
• Up to $1000 per item
• Up to 40% sum insured
• Optional extra
• Most contents covered as though they were at home
• Optional extra
Travelling with valuables Expand to view more details.

Cover for your valuables when you take them travelling. Limits for unspecified contents (see above) apply.

• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: 120 days
• NZ: 120 days
• Rest of world: 120 days (for unspecified contents limited to lesser of 25% sum insured or $15000)
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
Not covered
• Australia: no limit
• NZ: 90 days
• Rest of world: 90 days
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: 180 days
• NZ: 180 days
• Rest of world: 100 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: 180 days
• NZ: 180 days
• Rest of world: 100 days (limited to jewellery and watches while being worn or in a safe)
• Optional extra: Most contents covered in ANZ for 180 days as if they were at home; extend worldwide watch/jewellery cover to 100 days
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: no limit
• Rest of world: 30 days (limited to jewellery and watches while being worn or in a safe)
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: no limit
• Rest of world: 90 days
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: not covered
• Rest of world: not covered
• Australia: no limit
• NZ: no limit
• Rest of world: no limit
Motor burnout Expand to view more details.

Cover for motor burnout, eg in fridges and washing machines. Also called motor fusion.

• Cost to repair/replace
• Motors up to 7 years
• Cost to repair/replace
• Motors up to 15 years
Up to $2000
Up to $2000
• Up to $1000
• Motors up to 10 years
• Optional extra
• Up to $2000
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
Not covered
• Cost to repair/replace
• Motors up to 15 years
• Up to $2000
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 11 years
• Optional extra
• Cost to repair/replace
• Motors up to 11 years
• Cost to repair/replace
• Motors up to 11 years
Not covered
Not covered
• Up to $1000
• Motors up to 10 years
• Optional extra
• Up to $2000
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 10 years
Cost to repair/replace
• Cost to repair/replace
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Optional extra
• Up to $1000
• Motors up to 10 years
• Optional extra
• Up to $2000
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Optional extra
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 10 years
• Cost to repair/replace
• Motors up to 10 years
• Optional extra
• Cost to repair/replace
• Motors up to 10 years
• Cost to repair/replace
• Motors up to 15 years
• Cost to repair/replace
• Motors up to 15 years
• Up to $2000
• Motors up to 10 years
• Optional extra
• Up to $1000
• Motors up to 10 years
• Optional extra
• Up to $1000
• Motors up to 10 years
Spoiled food Expand to view more details.

Typically you won't pay the full excess unless it is as a result of an insured event (in which case you'll probably be claiming for other damages).

• Up to $400
• Cover for insured events, sudden escape of refrigerant fumes; unit failure; failure of public electricity supply
• Covered to replacement cost
• Cover for insured events
• Frozen food only
• Up to $500
• Cover for insured events, sudden escape of refrigerant fumes; unit failure; failure of public electricity su