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Contents Insurance for Renters

Renting? Choose our Home Contents Insurance to cover the things you own, like your furniture, electronics, TV and clothes.

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 premium.3

What is Renters' Insurance?

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

There are some things you just can’t live without, like your household and kitchen appliances, a musical instrument or sporting equipment like golf clubs. That’s why our policy lets you cover all of these and more, including furniture, rugs, TVs, washing machines and other household appliances.

You can customise your policy and add optional extras to suit your needs.

Renters’ Insurance helps protect the possessions that matter most in your home in case they’re stolen or damaged by fire, flood, storm,2 water leak4 or another insured event.

Who is Renters' Insurance for?

Renters' Insurance can help protect what's inside your home if you’re living in a rental property.

Landlords often have Landlord’s Insurance for the property’s permanent structure and fixtures, but that doesn’t cover your contents if you’re a tenant.

Whether you're a student living out of home for the first time, a share-house resident who wants cover for your own belongings, or a family renting long-term, it can help give you peace of mind that the things you depend on are protected in case the unexpected happens.

Insurance

What does Renters' Contents Insurance cover?

Get a quote

Included

Here’s a summary of what’s included for the things you own

  • Theft & vandalism
    Cover for your items if they're stolen, vandalised, or damaged in a theft or attempted theft.

  • Temporary accommodation
    If your home can't be lived in after a covered event, we pay the difference between your usual rent and the cost of temporary accommodation.1

  • New for old
    If we replace a contents item after it is stolen or damaged, we will replace it new for old as standard.

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

  • Damage from leaks
    We cover damage to your items caused by leaks, like water from a burst pipe or oil from a broken heater.4

  • Broken glass
    We cover accidentally broken glass in your home's furniture.5

  • Impact damage
    We pay for damage to your items caused by impact from things like vehicles and trees.6

  • Lightning
    Your items (like TVs and computers) are covered if they’re damaged by a power surge caused by lightning.

  • Fire
    Cover for your items if they're damaged by fire (including bushfire).

  • Flood, rainwater run-off & storm-surge
    Cover for your items if they’re damaged by flood, rainwater run-off and storm surge.2

  • No excess for food spoilage
    If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine.7

  • Liability for injury or damage
    We cover legal liability in some situations if you injure someone or damage someone else’s property (up to $20m).8

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

  • 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 home.9

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

Not included

There are some things we don’t cover

  • Contents in storage
    We will not cover loss or damage for some items such as computers, personal electronic devices, art and jewellery, tools of trade while in storage. 

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 rental home.10

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

  • Portable contents
    Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your rental home.11

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

Why choose NRMA Renters' Insurance?

Temporary accommodation cover

We can cover up to 12 months of temporary accommodation if your rental becomes unliveable after a covered incident1

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

Cover if you forget to lock up

We’re only human. If you accidentally leave a window or door unlocked and someone breaks in, you’re still covered

Renters' contents calculator

See how much your items might be worth with our calculator.

Use our calculator
Existing customers

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Protect your property with NRMA Home Insurance

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

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 and items will be covered for a range of incidents.

Learn more about Renters' Insurance

  • 24 July, 2025
    In the home | NRMA Insurance Blog

    Tips for students living in a share house

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  • 24 July, 2025
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    Why contents insurance is just as important for renters as homeowners

    Read article
    Insurance Guide Home Renting
  • 24 July, 2025
    In the home | NRMA Insurance Blog

    Renters’ guide to protecting your things in a share house

    Read article
    Insurance Guide Home Renting
FAQs

Renters' Insurance FAQs

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The cost of Renters' Insurance varies because everyone's situation is a little different. Factors like the value of your contents, your chosen excess, where you live, and any optional extras you add to your policy can all affect your premium.

For a price based on your personal circumstances, get a quote online.

Get a quote

If you’re renting, our Renters’ Insurance can help you protect the things you own and keep in your home, like your furniture, phone, TV, laptop and more.

We’ll also help cover the cost of accommodation if your home becomes unliveable after an insured event and you need somewhere else to stay.1

Landlord Insurance is for people who own rental properties who want to insure the structure of the building. It can also cover things belonging to the landlord that are kept inside the rental property, like furniture and furnishings left for tenants to use.

Basically, you tell us how much it would cost to replace all the items in your home at today's prices. Using that estimate, we’ll help cover the cost to replace those items if they’re damaged, stolen or destroyed as a result of an insured event.

To get an idea of how much your contents are worth, you can use our contents calculator as a guide.

Yes. You can either take out one policy to cover everyone's contents, or take out your own policy with just your contents.

You can only cover belongings owned by people listed on the policy, so if you get insurance as a group, make sure to add everyone's names to the policy.

Your Renters’ Insurance policy covers the belongings of everyone listed on the policy.

If you share a home with housemates, they'll need to be named on your policy to have their contents covered under it.

Alternatively, each housemate can take out their own separate policy to cover their own belongings.

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.

Yes – if the home you’re currently renting and living in becomes unliveable due to damage caused by an insured event, we pay the difference between your usual rent and the cost of temporary accommodation.1

Standard Renters' Insurance covers your belongings while they're inside your rental home. If you want cover for items you take out and about, like your phone, laptop, jewellery or bicycle, you can add Portable Contents cover as an optional extra.11

Portable Contents cover helps protect your insured portable items against accidental loss, theft or damage when you’re away from home.

You can insure individual items up to $10,000 each when you’re in Australia or New Zealand, or more if listed separately on the certificate of insurance with their own sum insured. When you’re travelling internationally, the total cover for all insured portable items is up to $10,000 in a covered event.

For full details, view the PDS.

Moving house doesn't mean you're left without cover. Your policy covers your contents at both your old and new address for up to 14 days from the day you start moving.

To be entitled to cover under this additional benefit, you must give us the details of your new home address within 14 days from the day you start moving.

If you wish to continue cover for your contents at your new home, you can apply for cover (by contacting us within 14 days from the day you start moving) and provide us with the full details of your new home. You may have to pay an additional premium to cover the contents at the new home.

For full details, view the PDS.

Make sure to read our policy booklets

Supplementary Product Disclosure Statement
Product Disclosure Statement
Target Market Determination
Key Facts Sheet

Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information. 

Things you should know

  1. If you’re renting the home, we pay the reasonable extra rent costs for 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 Contents Standard policy (or up to two years if you have a Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your 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.
     
  2. We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. If we give you the option to remove cover for flood, rainwater run-off and storm surge and you choose to do so, you won’t be covered for loss or damage to your home caused by flood, rainwater run-off or storm surge.

  3. 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.

  4. 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.

  5. 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.

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

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

  8. If you have Contents Insurance and you are a tenant, cover applies both at the home and away from the home but within Australia. 

  9. 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.

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

  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 on your Certificate of Insurance for a specified amount. 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.