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Contents insurance comparison

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Last updated: 11 October 2024
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Checked for accuracy by our qualified fact-checkers, verifiers and subject experts. Find out more about fact-checking at CHOICE.

Compare contents insurance policies from over 40 insurers including AAMI, NRMA, Youi, RACV, APIA, Woolworths Everyday, Aldi and more. Use the filters to select the right cover depending on whether you rent or own your home, and compare price ratings to find the cheapest policy.

We're not like the other insurance comparison websites – we don't get paid by any of the insurers we're comparing. And CHOICE is not-for-profit, so your membership fees help our fight for fair consumer rights and empower you to get the best products. So log in to find the best insurance policies as recommended by CHOICE.

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Whether you rent or own a strata property, your contents are worth insuring. The true value of the belongings in your home creeps up over time as you accumulate necessities like clothes, a fridge, washing machine, lounge and laptop, or lifestyle items such as a 4K television and a wine fridge. And if there's a special item you can't live without, like a bike or a kayak, keep an eye out for the portable contents cover.

Use the filters to select renters or strata owners contents policies. Renters policies may include special cover for renters liability. Strata owners may want to cover fixed items if they're not covered by your strata's building insurance – items like floating floorboards, air conditioners, ovens and dishwashers.

Our comparison helps you to find the best policies at the cheapest price. If you're looking to save money on insurance, use a contents calculator to add up the value of just your essential items – these are the basic things you'd need at a minimum in order to get going again if all your belongings were destroyed in a fire or flood, for example. You may also need to factor in your home office equipment if you're working from home.

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List of brands we tested in this review.

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    Owner type

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    To get the right cover, choose whether own a strata property or rent your home.

      Cover score

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      The score is made up of property valuation (15%), insured event cover (25%), legal liability cover (10%), claiming (10%), portable contents cover (10%) and additional features (30%).

      enter value/s in increments of i between 28 and 75

      Price score

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      The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot, depending on where you live. Check the $ sign price rating for your region or state to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

      enter value/s in increments of i between 1 and 92

      Satisfaction score

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      We surveyed customers to ask them about their overall experience with the insurer. This score represents the percentage of people who rated their experience as above average or excellent. Percentages with an asterisk* had fewer than 30 respondents, so they should be taken as indicative only. N/A means there was no result for that insurer.

      enter value/s in increments of i between 72 and 87

      Price rating available

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      Prices aren't available for all policies. Use this filter to only select policies with price ratings.

        Included in this comparison

        Members-only access
        • Recommended
        • CHOICE Expert Rating
        • Cover score
        • Price score
        • Owner type
        • Provider
        • Satisfaction score
        • Contents cover
        • Legal liability cover
        • Pay-by-the-month charge
        • How to claim
        • How the insurer can settle your claim
        • Cash settlement
        • New for old replacement
        • Cover for accidental damage
        • Cover for fire
        • Cover for explosion
        • Cover for theft
        • Cover for flood
        • Cover for storm and cyclone
        • Cover for earthquake
        • Cover for tsunami
        • Cover for action of the sea
        • Cover for storm surge
        • Cover for vandalism
        • Cover for impact
        • Cover for animal damage
        • Cover for sudden escape of liquid
        • Cover for breakage
        • Cover unspecified valuables away from home
        • Cover individual valuables away from home
        • Contents in the open air
        • Temporary accomodation
        • Emergency storage
        • Cover for motor burnout
        • Debris removal
        • Keys and locks after break-in
        • Jewellery
        • Artworks
        • Collections (e.g. stamps, coins)
        • Digital media
        • Spoiled food
        • Visitors' contents
        • Pet cover
        • Fixed contents
        • Overlapping cover at a new house
        • Cover for contents while moving house
        • Portable contents cover
        • 24/7 emergency phone line
        • Accidental damage cover
        • Underinsurance protection
        • ACT price comparison
        • NSW price comparison
        • NT price comparison
        • North Queensland price comparison
        • South Queensland price comparison
        • SA price comparison
        • Tasmania price comparison
        • Victoria price comparison
        • WA price comparison

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