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Contents Insurance

Help protect your valuable contents – even if you forget to lock up.

From furniture and clothes to TVs and sporting equipment, our Contents Insurance can help cover the valuable belongings inside your house.

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New replacement for an old item

If we replace your insured item after it’s been stolen or damaged, we’ll replace it new for old as standard.

Want to save up to 10%?

Buy your Home Contents Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium12.

Why choose NRMA Home Contents Insurance?

New-for-old replacement

If we replace your damaged or destroyed item after an insured event, like your favourite recliner sofa, we’ll replace it new for old as standard.

Cover if you forget to lock up

Accidentally left the house unlocked? Your TV and electronics will still be covered if they’re stolen. 

Stolen Identity Cover

If your identity is stolen and misused, you may receive up to $2,500 to pay for certain legal costs and to replace your ID documents13.

What is Contents Insurance?

Contents Insurance covers items in your home in case they’re damaged or destroyed by an insured event such as a fire, theft or storm1.

Contents are items that aren’t permanently attached or fixed to the structure of your home such as:

  • Furniture
  • clothes
  • rugs
  • fridges
  • washing machines
  • TVs and more.

These items are categorised as ‘general contents’ in the policy, with optional cover available for ‘portable’ and ‘valuable’ contents. You can customise your policy and add the optional benefits when you get a quote.

If you’re renting, you can consider protecting your belongings with Contents Insurance for Renters.

General contents

The items you keep in and around home, including:

  • furniture and bedding
  • carpets and rugs
  • curtains and blinds
  • electrical items
  • jewellery and watches (limits apply)
  • artwork and paintings (limits apply)
  • power tools for residential use
  • audio and home theatre equipment
  • sporting equipment
  • kid's toys
  • musical instruments
  • home office equipment (when you run a business from your home). 

All general contents and relevant limits and exclusions are listed in full in our PDS.

Portable contents (optional add-on)

Things you might take outside of your home, such as:

  • jewellery and watches
  • laptops
  • mobile phones
  • smart watches and fitness bands
  • cameras and audio-visual equipment. 

Read about portable contents and relevant limits and exclusions in more detail in our PDS1.

Valuable contents (optional add-on)

Expensive or valuable items inside your home you can choose to cover separately, including:

  • jewellery
  • watches
  • works of art. 

Discover what’s covered as valuable contents, plus all  relevant limits and exclusions in our PDS.

What’s not covered by Contents Insurance?

Contents Insurance doesn’t cover:

  • the building structure
  • sheds or garages
  • outdoor plants and trees
  • lawns and artificial grass
  • building materials
  • motor vehicles
  • drones (while in use or away from the home)
  • personal watercraft and jet skis. 

The complete list of exclusions is detailed in our PDS.

Insurance

What does Contents Insurance cover?

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Included

Here’s a summary of what’s included

  • Theft & vandalism
    We cover stolen items and damage to your items from robbery and vandalism, including stolen keys.

  • Flood, storm & storm-surge
    We cover damage to your property and common contents caused by flood, rainwater run-off, storm, storm surge and tsunami1.

  • Damage to landlord's property
    If you’re renting, we cover your liability in some situations for damage to your landlord’s property.

  • Broken glass
    We cover accidentally broken glass and ceramic in your home's furniture4.

  • Lightning
    We cover damage to your items and power surges caused by lightning.

  • Liability for injury or damage
    We cover legal liability in some situations if you injure someone or damage property away from your home7 (up to $20m).

  • Moving to a new home
    We cover items being moved to your new home if they're damaged by certain events while in transit. We also cover your items for up to 14 days in your new home8.

  • Fire
    We cover loss and damage to your items caused by fire (including bushfire).

  • Temporary accommodation
    If your home can't be lived in after a covered event, we pay for temporary accommodation2.

  • Damage from leaks
    We cover damage to your items caused by liquid leaks3, like water from a burst pipe or oil from a broken heater.

  • Impact damage
    We pay for damage to your items caused by impact from things like vehicles and trees5.

  • No excess for food spoilage
    If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine6.

  • Visitors' belongings
    We cover your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).

Get our highest level of cover with an upgrade to Contents Plus. Learn more about Contents Plus, or read the Product Disclosure Statement (PDS) for more information.

Not included

  • Outdoor plants & trees
    We don't cover things that grow in the ground at your home (like your lawn, plants and trees).

  • Permanent fixtures
    Unless your home is part of a strata scheme, we don't cover things you own that are permanently attached to your home, see Buildings and Contents for that.

Optional extras

Choose from these optional benefits when you’re getting a quote

  • Accidental damage
    Add cover for damage to your items from unintentional mishaps in your home9.

  • Valuable contents
    Increase your cover for some items in your home like art, jewellery and collectables.

  • Motor burnout
    Add cover for electric motor burnout in appliances like washing machines, including parts and labour10.

  • Portable contents
    Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home11.

Some optional benefits are automatically included if you upgrade to Contents Plus. Learn more about Contents Plus, or read the PDS.

Contents Plus vs Contents Standard

Contents Plus includes everything in the Contents Standard policy, plus extra benefits, including additional cover, and some higher-value limits. The below table outlines some key differences. Check the PDS for a complete and detailed list.

Cover for loss or damageContents PlusContents Standard
‘Accidental damage’ to contents such as electronic equipment, sporting gear and musical instruments9Automatically includedOptional extra
‘Electrical motor burnout’ is cover for contents such as food or medication if a fridge or freezer stopped working10 (limits apply)Automatically includedOptional extra
‘Portable contents’ is cover for items you take out of your home such as jewellery and watches, laptops and phones, or clothing and luggage11Optional extraOptional extra
‘Valuable contents’ inside your home such as works of art, collections (e.g. coins), or jewellery and watchesOptional extraOptional extra

Did you know?

NRMA Insurance processed more than 53,000 home insurance claims in 2025, with more than 88% approved*.

‘Storm or flood’ was the top  claim type at 63%.

Our claims data also reveals the regions hardest hit by wild weather. The top spot in each region for weather claims (home and motor) include:

  • Gold Coast – Queensland
  • Newcastle and Lake Macquarie – New South Wales
  • Perth northwest region – Western Australia
  • Adelaide north – South Australia
  • Dunlop – Australian Capital Territory. 

Learn more about the impact of extreme weather events across  Australia with our Wild Weather Tracker.

*Excludes claims withdrawn before assessment

Make sure to read our policy booklets

They’ll give you full details on limits, conditions, exclusions and more

Supplementary Product Disclosure Statement
Product Disclosure Statement
Target Market Determination
Premium, Excess & Discounts Guide
Key Facts Sheet

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

FAQs

Contents Insurance FAQs

Read more

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, like furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 in total for all items in each of these categories:

  • Works of art
  • Collections
  • Jewellery and watches

Items in your home within these three categories can be insured for higher amounts, if you take out Valuable contents as an optional benefit.

Portable contents are items that you or your family own that you can take outside of your home. You're only covered for these if you take out Portable contents as an optional benefit.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

Make a room-by-room list
Consider going through your house and list what’s inside including all furniture, appliances, clothing electronics, kitchenware, sports equipment, jewellery, artwork and more.

Estimate replacement cost, not resale value
For each item, estimate how much it would cost to buy a similar new item today.

List special or high value items separately
Some valuables may have individual limits under a standard contents policy.

Add it up
Once you’ve listed and valued your items, add them together to get your total contents sum insured. Remember to keep a separate total for the high value items.

Yes, carpets and rugs are  covered by NRMA Contents Insurance if they're damaged by an insured event like fire, flood or storm1.

To see exactly what’s included, read our Product Disclosure Statement.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, like furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 in total for all items in each of these categories:

  • Works of art
  • Collections
  • Jewellery and watches

Items in your home within these three categories can be insured for higher amounts, if you take out Valuable contents as an optional benefit.

Portable contents are items that you or your family own that you can take outside of your home. You're only covered for these if you take out Portable contents as an optional benefit.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

If you’re moving house, your insured items are covered under both ‘Contents Standard’ and ‘Contents Plus’ if they're damaged by certain insured events while in transit.

Your belongings will also be covered at both your current home and your new home for up to 14 days from the day you start moving8.

See the PDS for full details.

Renters' Insurance (also known as Contents Insurance for Renters) is a type of Home Insurance for tenants.

Whether you’re renting alone or with flatmates, a partner or your family, it can help cover the things that matter most in your home.

‘Portable contents’ is an optional extra with NRMA Contents Insurance.

We’ll help cover your portable contents if they’re accidentally lost, stolen or damaged during the period of insurance anywhere in the world. Full details on what’s covered and relevant limits and exclusions can be found in the PDS.11

This depends on the types of items that you're claiming for.

Contents items such as electrical items are generally referred to a specialist supplier that can assist in the replacement process.

Sometimes we can choose to settle your claim with a store credit or cash settlement and where possible, repair or restore content items.

General contents held in storage can be covered under our Home Insurance policy if you inform us before moving your items into storage and if our acceptance criteria are met.

Refer to the Product Disclosure Statement for information on items not covered while in storage.

Please note that Valuable Contents are not covered while in storage.

Existing customers

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Learn More About Protecting Your Contents

  • 28 November, 2024
    In the home | NRMA Insurance Blog

    How to make a home inventory (and why you need to start one today)

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    Home Claims Insurance
  • 30 May, 2025
    In the home | NRMA Insurance Blog

    Insuring your mobile phone and electronic devices

    Read article
    Home Lifestyle Insurance Travel
  • 24 July, 2025
    In the home | NRMA Insurance Blog

    Why contents insurance is just as important for renters as homeowners

    Read article
    Home Guide Insurance Renting

Protect your property with NRMA Home Insurance

We can cover the cost to repair or rebuild your home if it’s damaged or destroyed by an incident we cover, up to the sum insured.

Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings’ structure and the things you keep inside it will be covered for a range of incidents.

Want to insure one or more of your prized possessions, like a wedding ring or a new phone? Insurance4That lets you choose what to insure and how much to insure it for.

Want to insure one or more items?

We’ve got cover for that, too.

Check out Single Item Insurance

Already with us?

Log in to manage your policies, get your documents and update your details online.

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Need help?

We’re here for you. Call us on 32 132.

Contact us

Things you should know

  1. We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge. 

  2. If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Contents Standard policy (or up to two years if you have a Home Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your extra temporary accommodation costs up to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

  3. We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.

  4. We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental damage cover to your Home Contents Standard policy. Or, it's automatically included if you have Home Contents Plus.

  5. We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.

  6. We pay up to $500 for Contents Standard, and up to $2,000 for Contents Plus.

  7. For owners, cover applies if the incident happens away from your home but still in Australia. For tenants or if your home is under a strata title, cover also applies if the incident happens at the home or site and for which you or your family are responsible for.

  8. Cover applies at your current and new home for up to 14 days from when you start moving, as long as you give us details of your new home within this time.

  9. We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use.

  10. We can cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

  11. Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial. A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

  12. See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.

  13. For this cover to apply, your ID must be stolen and used by someone to get a financial benefit. All legal costs must be agreed by us before they are incurred. Cover does not apply to debts resulting from the ID theft.