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Contents insurance for renters comparison

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Last updated: 13 September 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 dozens of contents insurance policies for renters from over 40 insurers so you can find the right cover for your belongings. We've looked at contents policies offered by ANZ, Suncorp, Westpac, Coles, NRMA, Youi and more. 

We're not like the other insurance comparison websites – we don't get paid by any of the insurers we're comparing.

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How we compare contents insurance

We collect publicly available product information on insurance policies, and send surveys to insurers asking for quotes for a range of scenarios. 

Premiums differ from home to home, so we can't estimate how much a policy will cost you. To compare policies on price we obtained quotes for five different customer scenarios in two locations per state and territory (one in the capital, one in a high-risk area) as well as northern Queensland. By comparing the results of these tests we can see how each policy stacks up against the competition in each region.

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Brand

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

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    Member only

    This test score is for members only. Join now to unlock our expert results.

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    Price rating available

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

      Features 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 73

      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

      Accidental damage cover

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      Cover for accidental loss or damage to contents at the home.

        Included in this comparison

        Members-only access
        • CHOICE Expert Rating
        • Features score
        • Price score
        • Recommended
        • Satisfaction score
        • Underwriter
        • 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 for motor burnout
        • Keys and locks after break-in
        • Debris removal
        • Temporary accomodation
        • Cover unspecified valuables away from home
        • Cover individual valuables away from home
        • Contents in the open air
        • Emergency storage
        • Jewellery
        • Artworks
        • Collections (e.g. stamps, coins)
        • Digital media
        • Spoiled food
        • Visitors' contents
        • Pet cover
        • 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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