Explore Home & Contents Insurance

Renters’ insurance, or contents only insurance, offers a safety net against unforeseen damages to your belongings such as furnishings, clothing and home electronics while you’re living at a rental property.

When you apply for contents only insurance, factors such as the sum insured amount, your suburb’s crime rate and natural hazard risk will affect the cost of your insurance premium.

When you live at a rental property, you don’t need to organise home insurance (i.e. building insurance) – that’s the landlord’s business. However, everything inside the four walls that you own and the landlord doesn’t is your responsibility. This means you’ll have to foot the costs associated with repairing or replacing your belongings should anything happen to them, which is why you should consider choosing a certain type of contents insurance.

You’ll have a range of insurance policies and extras to choose from, including renters’ insurance that may offer protection against fire and theft. Just make sure this type of insurance adequately covers the replacement costs for your belongings.

In addition to the above, items that are particularly expensive to replace may need to be added to your policy separately. Such security doesn’t come for free though, as it typically increases your monthly premiums.

So how do you make sure you choose the right policy for yourself? You just have to follow a simple two-step process:

  • Work out the value of your belongings with an online calculator; and
  • Compare insurance policies to find one that suits you best.

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