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Contents insurance comparison

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Last updated: 27 May 2025
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Checked for accuracy by our qualified verifiers and subject experts. Find out more about fact-checking at CHOICE.

Compare contents insurance policies from over 40 insurers including AAMI, NRMA, Youi, RACV, APIA, Woolworths Everyday, Aldi and more. Use the filters to select the right cover depending on whether you rent or own your home, and compare price ratings to find the cheapest policy.

No phone calls, no commissions. Unlike other insurance comparison websites, we don't get paid by the insurers we're comparing and we won't harass you. Save money and get better cover with insurance policies recommended by CHOICE - independent and not-for-profit.

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Whether you rent or own a strata property, your contents are worth insuring. The true value of the belongings in your home creeps up over time as you accumulate necessities like clothes, a fridge, washing machine, lounge and laptop, or lifestyle items such as a 4K television and a wine fridge. And if there's a special item you can't live without, like a bike or a kayak, keep an eye out for the portable contents cover.

Use the filters to select renters or strata owners contents policies. Renters policies may include special cover for renters liability. Strata owners may want to cover fixed items if they're not covered by your strata's building insurance – items like floating floorboards, air conditioners, ovens and dishwashers.

Our comparison helps you to find the best policies at the cheapest price. If you're looking to save money on insurance, use a contents calculator to add up the value of just your essential items – these are the basic things you'd need at a minimum in order to get going again if all your belongings were destroyed in a fire or flood, for example. You may also need to factor in your home office equipment if you're working from home.

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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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    Owner type

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    To get the right cover, choose whether own a strata property or rent your home.

      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

      Sold in the ACT

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      If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

        Sold in North Queensland

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        Rockhampton and above. If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the region, or wouldn't provide us with online quotes for our test addresses.

          Sold in NSW

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          If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

            Sold in the NT

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            If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the territory, or wouldn't provide us with online quotes for our test addresses.

              Sold in South Queensland

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              South of Rockhampton. If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

                Sold in SA

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                If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

                  Sold in Tasmania

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                  If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

                    Sold in Victoria

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                    If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

                      Sold in WA

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                      If a policy is available but has no price comparison data, we could not obtain online quotes for our test addresses. This may be because the insurer only operates in a part of the state, or wouldn't provide us with online quotes for our test addresses.

                        Included in this comparison

                        Members-only access
                        • Recommended
                        • CHOICE Expert Rating
                        • Cover score
                        • Price score
                        • Owner type
                        • Provider
                        • About the insurer
                        • Customer satisfaction
                        • Contents cover
                        • Legal liability cover
                        • Renters liability
                        • Pay-by-the-month charge
                        • 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
                        • Cover for theft
                        • Cover for fire
                        • Cover for flood
                        • Cover for storm and cyclone
                        • Cover for storm surge
                        • Cover for action of the sea
                        • Cover for tsunami
                        • Cover for explosion
                        • Cover for earthquake
                        • Cover for vandalism
                        • Cover for impact
                        • Cover for animal damage
                        • Cover for sudden escape of liquid
                        • Cover for breakage
                        • Cover for accidental damage
                        • How to claim
                        • How the insurer can settle your claim
                        • Cash settlement
                        • New for old replacement
                        • Cover unspecified valuables away from home
                        • Cover individual valuables away from home
                        • Contents in the open air
                        • Temporary accommodation
                        • Debris removal
                        • Emergency storage
                        • Keys and locks after break-in
                        • Cover for motor burnout
                        • Jewellery
                        • Artworks
                        • Collections (e.g. stamps, coins)
                        • Digital media
                        • Spoiled food
                        • Visitors' contents
                        • Pet cover
                        • Fixed contents
                        • Overlapping cover at a new house
                        • Cover for contents while moving house
                        • Underinsurance protection
                        • Accidental damage cover
                        • Portable contents cover
                        • 24/7 emergency phone line
                        • Fire and theft
                        • Storm
                        • Safety net
                        • Flood

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