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Contents insurance reviews

Last updated: 22 April 2020

We've reviewed contents insurance policies from insurers to help you find the best cover for your contents. CHOICE members can see the overall score for each policy, and see how they stack up on price compared to other products in their state.

We're not like the other insurance comparison websites – we don't get paid by any of the insurers we're comparing.

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We've reviewed contents policies offered by ANZ, Suncorp, Westpac, Woolworths, NRMA, Youi and more. We recommend policies that offer comprehensive cover at a reasonable price. They were chosen also because they include standout features – such as cover for accidental damage, contents in the open air or under-insurance safety nets – and because they offer good value for money based on our comparison.

How we scored

We collect publicly available product information on insurance policies, and send surveys to insurers asking for quotes for a range of scenarios. The score is made up of the product features score (70%), the price rating (20%), and the ease of use score (10%).

The features score is made up of insured events (40%) and additional cover (60%). The ease of use score is based on accessible a product's disclosure documents are (number of documents, word count), whether customers can purchase and claim online, and whether the insurer operates a 24/7 claims phone line. 

Premiums differ from home to home, so we can't estimate how much a policy will cost you. The compare policies on price we obtained quotes for five different customer scenarios in two locations per state and territory (one in the capital, one in a high-risk area) as well as northern Queensland. By comparing the results of these tests we can see how each policy stacks up against the competition in each region.

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Brand

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

    Recommended products

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    Features score

    Expand to view more details.

    The score is made up of common insured events (60%) and additional cover (40%).

    enter value/s in increments of i between 46 and 78

    Ease of use score

    Expand to view more details.

    This score rates how accessible a product's disclosure documents are (number of documents, word count), whether customers can purchase and claim online, and whether the insurer operates a 24/7 claims phone line. A higher score is better.

    enter value/s in increments of i between 44 and 73

    Included in this review

    Members-only access
    • Overall score
    • Features score
    • Ease of use score
    • Recommended products
    • Underwriter
    • Contents cover
    • How to claim
    • Pay-by-the-month charge
    • Cover for fire
    • Cover for theft
    • Cover for sudden escape of liquid
    • Cover for storm and cyclone
    • Cover for lightning
    • Cover for flood
    • Cover for actions of the sea
    • Cover for impact
    • Cover for animal damage
    • Cover for vandalism
    • Cover for earthquake
    • Cover for tsunami
    • Cover for accidental breakage of glass
    • Cover for accidental damage
    • Legal liability cover
    • Legal liability cover for renters
    • New for old replacement
    • Cover individual valuables away from home
    • Cover unspecified valuables away from home
    • Cover for valuables while travelling
    • Cover for motor burnout
    • Spoiled food
    • Jewellery
    • Works of art
    • Collections (eg stamps, coins)
    • Digital media
    • Cash
    • Tools of trade at the home
    • Visitors' contents
    • Cover while moving house
    • Temporary accomodation
    • Debris removal
    • Keys and locks
    • Contents in the open air
    • Pet cover
    • Good points
    • Bad points
    • Underinsurance safety net
    • Accidental damage to contents
    • Cover for unspecified portable contents
    • Online claiming
    • 24/7 emergency claims hotline
    • ACT price rating
    • NSW price rating
    • NT price rating
    • FNQ price rating
    • QLD price rating
    • SA price rating
    • TAS price rating
    • VIC price rating
    • WA price rating
    • Corrections
    • Insurer
    • Policy name
    • Website
    • Cover for storm surge
    • Sold in ACT
    • Sold in NSW
    • Sold in NT
    • Sold in North Queensland
    • Sold in South Queensland
    • Sold in SA
    • Sold in Tasmania
    • Sold in Victoria
    • Sold in WA

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