Contents items

We cover your household items you own or are responsible for and use primarily for domestic purposes and aren’t permanently attached to the home or insured address. There are different fixed and flexible limits which apply to some items depending on your level of cover. You can choose to increase the limit for contents that have flexible limits for an extra premium. Optional covers are available to provide cover for some contents items away from the home. Like any insurance policy, there are always some things we don't cover. 

This is a summary only. Limits, conditions, and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details.

The content on this page applies to policies started or renewed on or after 24 May 2025. 

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View Events we can cover

Coverage options

Accessories and spare parts

Accidental breakage of glass - contents

Bicycle

Carpets and rugs (hand woven or hand knotted)

Clothing

Collections, sets, and memorabilia

Contents in Commercial Storage

Contents temporarily removed

Contents while moving to a new address

Damage from physical injury or incident

Drones

Emergency repairs and other repair/rebuilding costs – contents

Fatal injury compensation (contents)

Food and medication spoilage

Furniture and furnishings

Golf cart and buggy, wheelchairs and mobility scooters or similar aids

Home computers and electronic tablets, laptops, phones, unfixed electrical goods and appliances

Important documents

Internal blinds and shutters, drapes, or curtains

Jewellery and watches

Lock replacement (contents)

Matching undamaged parts (contents)

Medical equipment and aids

Pot plants

Remote controlled model or toy motor vehicles

Remote controlled model or toy watercraft or aircraft

Ride-on mowers

Storage of undamaged contents

Surfboards, sailboards, kite surfing equipment, canoes, kayaks and non-motorised surf skis

Temporary accommodation for tenants or strata title owners

Tools of Trade

When contents are insured in a unit

Works of art

Accidental damage at home (contents)

Injury to pet dogs and cats (contents only)

Motor Burnout (contents)

Personal Valuables – Specified Items

Personal Valuables - Unspecified Items

Portable advantages

A motor vehicle, motor bike, motorcycle

Anything defined as the home

Broken electrical items

Cash, smart cards, phone cards, and documents able to be cashed or traded

Common property

Contents in a vehicle designed for the temporary accommodation of people and animals

Cryptocurrency or non-fungible tokens (NFTs)

Electronic files for which you don’t have a licence

Floating floors

Items that are covered under a strata insurance policy

Loose/compacted sand, soil, lawn, artificial grass, gravel, pebbles, rocks, granular rubber or water

Pets or animals

Plants, trees, shrubs and hedges in the ground

Uncut gems, unset gems, gold or silver nuggets, bullion, and ingots

Unfitted accessories of any vehicle, watercraft or aircraft

Unregistered firearms

Used or applied chemicals, fertilisers, or pesticides

Wear, tear, and deterioration (contents)