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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 premium3.

What is Renters’ Insurance?

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, you can cover the things that matter most in your home in case they’re ever stolen or damaged by a fire, flood, storm, water leak or other insured event2.

There are some things you just can’t live without, like your laptop when a big assignment is due, your fridge that keeps your food fresh, or your phone to call your loved ones. That’s why our policy lets you cover all of these and more, including furniture, rugs, TVs, cameras, washing machines and other appliances. 

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

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Insurance

What does Renters' Contents Insurance cover?

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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 accommodation1.

  • 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 heater4.

  • Broken glass
    We cover accidentally broken glass and ceramic in your home's furniture5.

  • Impact damage
    We pay for damage to your items caused by impact from things like vehicles and trees6.

  • 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 surge2.

  • No excess for food spoilage
    If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine7.

  • 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 home9.

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 home10.

  • 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 home11.

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

Make sure to read our policy booklets

Supplementary Product Disclosure Statement
Product Disclosure Statement
Target Market Determination
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.

Renters contents calculator

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

Use our calculator

Learn more about Renters Insurance

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FAQs

Contents Insurance for Renters FAQs

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What's the difference between Renters’ Insurance and Landlord Insurance?

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 stay1.

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.

How does Contents Insurance work?

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.

Can I get cover with a housemate if I live in a share house?

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.

What's the difference between General, Valuable and Portable contents?

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.

Does Renters’ Insurance cover temporary accommodation?

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 accommodation1.

Why choose NRMA Renters' Contents 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.

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? Insurance4That lets 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.

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 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.