What is Contents Insurance?

When you take out Contents Insurance as a renter you're taking out cover for things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture. How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic. To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS): Premium – Accidental Damage PDS Quality – Listed Events PDS Basic – Fundamentals PDS

How much does Contents Insurance cost?

When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to where you live, and more. The best way to answer this question is to complete a quick quote . You'll have an answer in less than five minutes.

What isn’t covered by Contents Insurance?

This depends on the type of policy you’ve taken out. Each of our Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover. In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age). We encourage you to read your PDS to see the full list of what is and isn’t covered: Premium – Accidental Damage PDS Quality – Listed Events PDS Basic – Fundamentals PDS

Is Contents Insurance best for me?

If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen. To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these: Premium – Accidental Damage PDS Quality – Listed Events PDS Basic – Fundamentals PDS

Renters Contents Insurance

Insurance for renters can provide coverage to either repair your insured contents or replace them with new ones if they're damaged after an incident we cover.

Get a quick quote

Protect your valuable belongings while you rent

When you're a tenant, it’s sometimes hard to know whether you need insurance. Landlords are responsible for insuring their rental property building and any contents they own. However, landlord's insurance generally doesn't cover your belongings like your furniture, whitegoods, electrical appliances, clothing, personal effects and other possessions. If you're renting a house, unit or living in a share house, you might want to consider our insurance for renters, Contents Insurance

A great claims service

We go out of our way to make the claims process hassle-free, and pay valid claims as quickly as we can. After all, you’ve got other things to worry about.

New for old

If your saggy old sofa is damaged in a fire or flood, we’ll replace it with a new one. In other words, with our new-for-old replacement there’s no depreciation on your contents.

A roof over your head

Worried about where you'll sleep at night if the rental property you live in is significantly damaged as the result of an incident? As a tenant, CGU looks after you, providing temporary accommodation for up to 12 months.

Premium Cover

Accidental damage

As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage.

To really wrap your head around what’s covered with this insurance, you should take a look at: Premium – Accidental Damage PDS

Get a quote
Quality Cover

Listed events

Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.

To really wrap your head around what’s covered with this insurance, you should take a look at: Quality – Listed Events PDS

Get a quote
Basic Cover

Fundamentals

Basic has you covered for floods, fires, break-ins and more.

To really wrap your head around what’s covered with this insurance, you should take a look at: Basic – Fundamentals PDS

Get a quote

Premium Cover

Accidental damage

As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage. What’s more, your contents are covered anywhere in Australia and NZ for up to 90 days at a time.
- Accidental damage or accidental loss
- Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to 20% of your sum insured or $7,500, whichever is greater (includes GST) (up to $2,500 per item)
- Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
- Contents at home in the open air
- Burning out of electrical motors For motors up to 15 years old
- Frozen food Following breakdown of freezer, includes accidents
- Vet expenses if your pet is injured in a road accident Up to $500 (includes GST)
- Liability cover Up to $20 million, worldwide
- Bicycle cover Up to $20,000, includes accidents (except when racing)
- Flood cover
- New-for-old replacement cover (Contents)
- Credit card and transaction card misuse Up to $5,000
- Small boats and watercraft Max length 4m - motors less than 10hp
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Get a quote
Quality Cover

Listed events

Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
- Accidental damage or accidental loss
- Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to 20% of your sum insured or $5,000, whichever is greater (includes GST) (up to $2,500 per item)
- Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
- Contents at home in the open air Up to $2,000 for the events listed (includes GST)
- Burning out of electrical motors For motors up to 15 years old
- Frozen food Following breakdown of freezer, up to $500 (includes GST)
- Vet expenses if your pet is injured in a road accident Up to $500 (includes GST)
- Liability cover Up to $20 million, Australia-wide
- Bicycle cover Up to $20,000
- Flood cover
- New-for-old replacement cover (Contents)
- Credit card and transaction card misuse Up to $5,000
- Small boats and watercraft Max length 4m - motors less than 10hp
Show more Show less
Get a quote
Basic Cover

Fundamentals

Get exceptional value for money with Basic cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
- Accidental damage or accidental loss
- Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to $2,000 (includes GST) (up to $1,000 per item)
- Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
- Contents at home in the open air Up to $1,000 for the events listed (includes GST)
- Burning out of electrical motors For motors up to 15 years old
- Frozen food Following breakdown of freezer
- Vet expenses if your pet is injured in a road accident
- Liability cover Up to $20 million, Australia-wide
- Bicycle cover Up to $20,000
- Flood cover
- New-for-old replacement cover (Contents)
- Credit card and transaction card misuse Up to $1,000
- Small boats and watercraft Max length 3m - unpowered only
Show more Show less
Get a quote

Contents Insurance for Renters FAQ

What is Contents Insurance?
When you take out Contents Insurance as a renter you're taking out cover for things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture.

How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic.

To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
How much does Contents Insurance cost?

When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to where you live, and more.

The best way to answer this question is to complete a quick quote. You'll have an answer in less than five minutes.
What isn’t covered by Contents Insurance?
This depends on the type of policy you’ve taken out. Each of our Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.

In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).

We encourage you to read your PDS to see the full list of what is and isn’t covered:
Is Contents Insurance best for me?
If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen.

To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these:

Important documents

Before you decide on the cover that’s right for you, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.

For previous policy booklets, check our policy booklets page.

Protect your belongings when renting

Get a quote

Renters Contents Insurance

Protect your valuable belongings while you rent

A great claims service

New for old

A roof over your head

Premium Cover

Accidental damage

Quality Cover

Listed events

Basic Cover

Fundamentals