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If you’re a renter, contents-only cover will cover your belongings. Having contents insurance means that, should your belongings be damaged or destroyed by an event like a fire, flood, earthquake or theft, we’ll pay to repair or replace them.

Not sure how much cover you need? This will depend on what it would cost to replace your belongings at today’s prices. This means you’ll need to spend some time thinking about all the items within your home that you may need to be repaired or replaced in case of things like theft, fire or flood. This often includes items such as televisions, furniture, white goods, laptops, mobile phones, clothing, jewellery and artworks. Use the contents insurance calculator to help you work this out.

Find out more about QBE Contents Insurance


Why choose QBE Contents Insurance?

At QBE, we know not every household contains the same contents, which is why our contents insurance is flexible. Choose the amount of cover you need and tell us if you’ve got any high-value items you’d like covered.

You can choose to add optional cover for accidental damage and/or portable contents away from home, for an additional premium.

We’ve been insuring everyday Australians for over 130 years.
24/7 friendly and helpful claims service.
Up to $30 million legal liability cover.

Tips to help lower your premium

Choice of optional upgrades

Only choose the upgrades that are relevant to your needs.

Flexible excess

Choosing a higher excess lowers your premium. Be sure to pick an excess you can afford to pay at short notice if you need to make a claim.

Pay upfront

Pay less for your contents insurance when you pay annually.

Save 10% on contents insurance!

Buy contents insurance online today and you’ll save 10%! Find our best price when you get a QBE Contents Insurance quote and buy online.
Renters insurance

Six great unknown things about renters insurance

Renters are responsible for their own belongings at the property they’re renting. Renter’s insurance – also known as contents insurance – means you can make a claim for the costs to replace lost, stolen or damaged belongings or negligent damage to another person’s property.

 

Home

Does renters insurance cover that? 10 FAQs answered

Here are the answers to some of the most common things people want to know about renters or contents insurance and explain what is and isn’t covered.

Insurance calculators

Contents insurance calculator

You can use the Home Contents Estimate Calculator to figure out roughly how much it would cost to replace your belongings with new items. By providing general information about your home the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.

Contents insurance frequently asked questions

QBE Contents Insurance covers you for a range of events as standard.

These include:

  • Fire
  • Flood
  • Theft
  • Water damage
  • Explosion
  • Lightning
  • Storm
  • Earthquake
  • Tsunami
  • Vandalism
  • And more...

You can also upgrade to include cover for accidental damage and/or cover for portable contents  you carry, wear or use away from your home.

Read the relevant Product Disclosure Statement (PDS) for full details including limits, exclusions and conditions that apply.


Contents insurance covers loss of or damage to your belongings caused by events like fire, theft, flood and more. You can upgrade your policy to include accidental damage cover for an extra premium.

‘Specified contents’ are items covered at your home address.

If you own an item that you would like covered by your contents insurance, but its value exceeds the standard limit in the policy, just tell us. If we agree to cover it, it will be listed as a ‘specified contents’ item on your policy.

If you own an item that you would like covered by your contents insurance away from home, but its value exceeds the portable contents category limit or it doesn’t fall within one of the categories, or you specifically want to itemise it, just tell us. If we agree to cover it, it will be listed as a ‘specified portable contents’ item on your policy. This is an optional cover that you can add for an additional premium.

We’ll usually need valuations, receipts or serial numbers as proof of ownership in the event of a claim. To find more information about the limits that apply to the policy, refer to your Certificate of Insurance and the relevant PDS.


No – a standard contents policy doesn’t cover items lost or damaged away from home.

If you’d like to insure certain items when you carry, wear or use them away from your house – such as laptops, mobile phones, bikes, and other valuables – you can opt for portable contents insurance for an additional premium. This covers their accidental loss or damage anywhere in Australia and New Zealand, and includes cover worldwide for up to 90 consecutive days.


Yes, our standard contents insurance policy covers contents damaged or destroyed by flood. For further details, refer to your Certificate of Insurance and the relevant PDS.

Yes please. You must tell us if your home will be unoccupied for more than 90 consecutive days.

Other conditions may apply and you’ll find more information about unoccupied properties and contents insurance in your Certificate of Insurance and the relevant PDS.


As a tenant, your level of contents insurance cover will depend on what it would cost to replace your belongings at today’s prices. This means you’ll need to spend some time thinking about all the items within your home that you’d like us to pay to repair or replace in case of things like theft, fire or flood.

This often includes items such as televisions, furniture, laptops, mobile phones, clothing, jewellery and artworks.

You can use the contents insurance calculator to help you work this out.


You can use the Contents insurance calculator to estimate how much it would cost to replace your belongings with new items. By providing general information about your home, the calculator will provide an estimated contents value and summary that you can further edit for a more accurate result if you wish.

Alternatively, when you get a quote for contents insurance, the questions we ask you will give you a contents sum insured estimate.

If you’re uncertain about your contents sum insured, please seek professional advice.


Unfortunate events and accidents are unlikely, but they can be disastrous when they do happen. Contents insurance gives you a level of comfort knowing that if (for example) there was a fire that destroyed your home contents, all you’d need to worry about is getting yourself and family members out safely. Your contents insurance would provide the cover you chose.

What’s more QBE Contents Insurance provides you with up to $30 million legal liability cover, anywhere in the world including at your home.


Yes – up to a point. We’ll cover your contents for up to 60 days at both your current address if you permanently reside there, and at your new address (within Australia) if you plan to live there permanently.

If you want cover at your new address after the 60 days have passed, you must tell us or you won’t be covered.

We also cover your contents while they’re in transit in a motor vehicle to your new permanent residence. This includes when they’re on their way to a commercial storage facility for temporary storage before being transported to your new permanent residence in Australia.

Learn more about the details about contents insurance when moving house in the relevant PDS.


This Home insurance is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545). Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Home insurance Product Disclosure Statement (PDS) and the Target Market Determination (TMD).

Need more help?

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