Contents Insurance for Renters

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

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Want to save up to 10%?

Buy your Contents Insurance for Renters online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium3.

"Only renting?"

All across Australia, people say they’re “only renting” like that’s a bad thing.

But renting can be a great opportunity to focus on what’s important to you, instead of worrying about building repairs or mortgage payments.

Our Home Contents Insurance covers items that you and your family own (and have worked hard for) in the event of an insured incident. Additionally, it provides benefits such as temporary accommodation, helping to cover extra rent costs if you are unable to live in your rental property due to an insured event1.

Why should renters consider Home Contents Insurance?

There are some things you just can’t live without. Your laptop when that big assignment is due. The fridge that keeps your medication cold. Your TV when the big game is on, or your phone to call your mum. 

Protecting your belongings from theft, fire, or accidental damage is important. Our Home Contents Insurance provides cover for a range of events, including legal liability cover (up to $20 million) if you accidentally damage your landlord’s property. This helps provide peace of mind for you and your family. 

You can reach us 24/7 at 131 123 for assistance with new claims or if you require emergency accommodation (following an insured incident). You can also make a claim online. We’re here to help. 

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What's included?

Cover 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.

  • 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.

  • 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.

  • 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 homet9.

See more

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. 

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.

Let's talk details

Learn about what else is covered on the Home Contents Insurance page, or read the Product Disclosure Statement (PDS).

Read our policy booklets for full details on limits, conditions, exclusions and more.

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.

Do you know how much the items in your home are worth?

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Home Buildings

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

Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year.

Want more premium cover? Choose Home Buildings Plus when you get a quote.

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Home Contents

We offer cover for items in your home, even if you accidentally leave a window or door unlocked.

Plus, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.

For premium contents cover, choose Home Contents Plus when you’re getting a quote.

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Home Buildings & Contents

Protect your home inside and out with combined Buildings and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, we offer a lifetime guarantee on the workmanship of authorised repairs to your home.

And if you’re looking for our highest level of cover, choose Home Buildings & Contents Plus when you’re getting a quote.

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Manage your policy 24/7 anytime, anywhere

Get a quote, update your details, manage your policy and more in your online account or in the NRMA Insurance app.

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.