Contents insurance deals

After contents insurance for your personal belongings? We’ve made it simple to compare the latest contents insurance deals available from Australia’s online home insurance providers. Review special offers and policy cover details then click to get a personalised price quote for your home’s contents.

Contents insurance comparisons on Mozo - page last updated October 29, 2020

Search promoted home insurance below. Advertiser disclosure.

  • Contents Insurance

    Get award-winning Contents Insurance at a price you can afford from Budget Direct. Save a huge 15% ^ on your first year’s premium when you purchase a new combined Home and Contents Insurance policy online.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
      Optional Extra
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Contents Insurance

    Australia’s most popular online real estate site now brings you home and contents insurance policies that work for you. Save a massive 12% when you buy online, plus make claims 24/7 with an Australian based support team here to help you.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    No
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Premier Care Residential

    Save up to 25% when you purchase cover online. Westpac Premier Care Home & Contents Insurance covers your home and belongings in case of storms, floods, fire, theft and more. Mozo Experts Choice Winner in 2020.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    No
    Underinsurance protection
    Underinsurance protection icon
    YesUp To 30% Of Building Sum Insured
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Essential Care Residential

    Save up to 25% when you purchase cover online. St. George Essential Care Home & Contents Insurance covers your home and belongings in case of storms, floods, fire, theft and more.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    No
    Underinsurance protection
    Underinsurance protection icon
    YesUp To 10% Of Sum Insured
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Contents Insurance

    Making sure your home insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Home & Contents Insurance

    Virgin Money Home & Contents Insurance, winner of the Exceptional Value Home & Contents Insurance award in 2020.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
      Optional Extra
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    Optional ExtraUp To 25% Of Sum Insured
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details
  • Comprehensive Cover

    Save up to 20% when you purchase a combined Woolworths Home and Contents policy online (T&Cs apply). Get a quote online in just minutes and enjoy optional cover for portable valuables.

    Main events covered
    •  Image of fire
      Fire
    •  Image of theft
      Theft
    •  Image of storm
      Storm
    •  Image of flood
      Flood
    Monthly payments
    cost extra
    Calendar icon
    Yes
    Underinsurance protection
    Underinsurance protection icon
    No
    New for old
    replacment
    Replacement icon
    Yes
      Compare
    Details

^See information about the Mozo Experts Choice Home insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Home insurance resources

Reviews, news, tips and guides to help find the best home insurance for you.

Choosing contents insurance

Whether you are renting or you own your home, having contents insurance to protect your belongings from loss or damage from theft, fire or flood is a smart move.

Contents insurance covers the cost of repairing or replacing personal items including things like your clothing, jewellery, computer equipment, furniture, white goods, artworks, TV and sporting equipment. BUT don’t just assume that everything in your home will be covered under a standard contents insurance plan, if you own specialist equipment, antiques or designer furniture you may need to pay for additional cover.

That’s why when choosing between contents insurance deals, it is important to carefully review the items covered and any limits that apply to the standard cover to ensure you will be protected if and when the time comes you need to make a claim.

How do I work out how much to insure my contents for?

When it comes to insuring your personal belongings, you will need to think about how much it will cost you to replace your items if they are damaged or stolen. Remember that some things may have gone up in price - for example, buying a new laptop might cost you more in five years than it would today. This is why you need to work out the new replacement value of all items and insure to this amount, not the amount you initially paid for the item.

The best way to work out the new for old replacement value is to walk around your home and list out each item and then do some comparison shopping to see how much it would cost you today to replace this item with something similar. It is a good idea to record the serial numbers of your devices and appliances as this can help you to find a similar model or replacement if you need to.

Once you’ve drafted up your contents list, be sure to email a copy to yourself so that you have a digital version of it, just in case.

Is there a cap on contents cover?

Most contents insurance policies will have special limits that apply to items like jewellery, artwork, computer equipment, work tools, rugs. This means that in the event of any claim, the maximum you will be able to claim for these items will be capped. 

You will usually have the option of purchasing additional cover for these items, which can definitely be worth it if they're value is much higher than the default limit, but it will mean that you’ll pay a higher premium.

Be sure to read the insurance PDS to make sure that you understand the limits for your policy.

Will my contents be covered away from the home? 

Some policies will allow for your contents to be away from the insured premise and still be covered under your policy if they are lost or damaged. This can be really handy, but there will be limits to this type of coverage so it is important that you read the PDS carefully. You might have the option of paying for additional cover to insure your jewellery, phone or laptop while away from home especially, since these are things you often carry with you.

Do I have to pay contents insurance upfront or can I pay by the month?  

You’ll have the option of paying your annual insurance cost upfront as a lump sum and some providers also offer the option of paying by the month. Generally you’ll pay less for your insurance if you pay upfront, but paying by the month can help you fit the cost of cover into your budget.

How can I save money on my contents cover?

Don’t assume that the most expensive policy will give you the most comprehensive level of cover. The goal when searching for content insurance should be for you to find the cheapest price for the content cover you need. Here are some ways that you can reduce your contents insurance costs:

  • Shop around. Don’t fall into the trap of auto renewing your policy. Insurance providers have deals or incentives all  the time and you can save yourself lots of money with a bit of comparison shopping.
  • Secure your property. The more secure your property is the lower your premium is likely to be. Taking measures like installing locks on doors and windows, putting in a security alarm or camera and installing smoke alarms is a great way to snag yourself a lower premium.
  • Multiple policy discount. If you have more than one product with any one insurer you could be eligible for a multi-policy discount. Even if you don't currently qualify for this discount, talk to your insurer about what deals they can offer to tempt you to switch other insurance policies over to them.
  • Flexible excess. You can reduce your insurance premium by opting for a higher excess amount. This means that in the event of a claim you will need to pay a higher upfront payment but your monthly insurance premiums will be cheaper.

Home Insurance Reviews

St.George Home Insurance review
Overall 4/10
Buy if you like listing to on hold call music

Good polices. Price is fair. 25 minute wait times for customer support. I rather pay a bit more the sit on hold 2x for 25 -30 minutes.

Read full review

Good polices. Price is fair. 25 minute wait times for customer support. I rather pay a bit more the sit on hold 2x for 25 -30 minutes.

Value for money
7/10
Policy coverage
9/10
Customer service
1/10
Less
James, Queensland reviewed 2 days ago
Bank of Melbourne Home Insurance review
Overall 10/10
Competitive rates for comprehensive cover.

Very competitive rates and comprehensive cover for both home and contents.

Read full review

Very competitive rates and comprehensive cover for both home and contents.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
6/10
Less
Graham, Queensland reviewed 2 days ago
AAMI Home & Contents Insurance review
Overall 9/10
Smooth process to claim.

We have had a claim in for storm damage to our roof and have had one main person dealing with the lengthy claim. They have been very helpful and the process has been very smooth.

Read full review

We have had a claim in for storm damage to our roof and have had one main person dealing with the lengthy claim. They have been very helpful and the process has been very smooth.

Value for money
8/10
Policy coverage
8/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Kylie, Australian Capital Territory reviewed 2 days ago