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Frequently asked questions

What is renters insurance?

Renters insurance, or contents insurance, is designed to protect the contents of a tenant’s home from loss or damage. If you’re renting, you don’t need to worry about home insurance, as this is the responsibility of the landlord.

Find out more about the ins and outs of renters insurance – and see how much cover may cost you – through our renters insurance comparison service.

Why is renters insurance important?

Contents insurance for renters is important because while your home may be protected by your landlord’s insurance, your belongings are not. So, if something were to happen to your home, like a fire or break-in, your landlord will be covered for the damage to the house; however, you’ll have to pay out of your own pocket for the damage to your belongings.

Get your renters insurance quote through our handy, free comparison service to find out what your belongings are covered for.

How much does renters insurance cost?

The cost of renters insurance varies across policies, providers and customers. This is because not every policy provides the same coverage, and not everyone’s belongings are worth the same amount.

The following prices are indicative only and may not be an accurate representation of what your individual premium could be. If you’d like a more personalised quote, head over to our renters insurance comparison service for your free quote.

State/TerritoryAverage cost of contents replacement*Indicative annual premium**
New South Wales$57,403$334.35
South Australia$49,777$265.65
Western Australia$51,723$376.7
* Based on costs of contents replacement (rounded to the nearest whole number) customers entered into Compare the Market’s renters insurance comparison service.
**Indicative, annual premium based on the average of quotes provided by Compare the Market’s renters insurance comparison service on 05/08/19. These quotes are for a freestanding house built between 1980 and 1989 with weatherboard walls, COLORBOND® roofing and no security alarm, located in capital city postcodes: 2000 (Sydney, NSW), 3000 (Melbourne, VIC), 4000 (Brisbane, QLD), 5000 (Adelaide, SA), 6000 (Perth, WA), 7000 (Hobart, TAS), 2600 (Yarralumla, Canberra ACT).

What does renters insurance cover?

Coverage does differ between renters insurance policies and providers; you may be covered for a certain event under one policy, but not under another. However, some things that are generally covered under renters insurance include:

  • fire
  • theft
  • natural disasters

By using our free renters insurance comparison service, you’ll be able to see what’s covered under each available policy when comparing results. Always read the Product Disclosure Statement (PDS) of an insurance product before purchase.

Who provides renters insurance in Australia?

If you’re looking to compare renters insurance providers in Australia, Compare the Market’s renters insurance comparison service can help you do just that. While we don’t compare every provider in the market, our service can select policies for your comparison based on your details in just minutes.

You can also look through the following list of renters insurance providers in Australia; please be aware that this list isn’t exhaustive and is subject to change.

  • 1st for Women
  • AAMI
  • ACS Financial
  • AIG
  • Allianz
  • Apia
  • Aussie
  • Australia Post
  • Bank of Melbourne
  • BankSA
  • Budget Direct
  • CCI Personal Insurance
  • CGU
  • Coles
  • Commonwealth Bank
  • EBM RentCover
  • Essentials by AAI
  • GIO
  • Hollard
  • IAL
  • ING
  • Insurance 4 That
  • NRMA
  • Ozicare
  • QBE
  • RAA
  • RAC
  • RACQ
  • Real Insurance
  • SGIC
  • SGIO
  • Shannons
  • George
  • Suncorp
  • TIO
  • Vero
  • Virgin Money
  • Woolworths

The list of contents insurance providers is accurate as at 7 November 2019 and sourced from the Insurance Council of Australia.

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Stephen Zeller, General Manager

Meet our renter’s insurance expert, Stephen Zeller

As the General Manager of General Insurance, Stephen Zeller wants consumers to be well equipped with the understanding of their insurance coverage and to use the power of comparison to save money. While a renter’s home is often protected by the landlord’s insurance, adequate renter’s insurance can financially protect your belongings against accidents, break-ins and other damage.

Stephen has more than 30 years of experience in the financial services industry. He is an Allied member of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) and ensures any information about insurance products that we publish is accurate and comprehensive.

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