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 building or insured address. Some contents have fixed limits and others have flexible limits. You can choose to increase the limit for contents that have flexible limits for an extra premium. Optional covers are available for an additional premium, including 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 January 2025.

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Coverage options

Accidental breakage of glass - contents

Carpets and rugs

Clothing

Collections, sets, and memorabilia

Contents temporarily removed

Damage from physical injury or incident

Drones

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

Internal blinds and shutters, drapes, or curtains

Jewellery and watches

Lock replacement

Matching undamaged parts (contents)

Medical equipment and aids

Motor burnout (contents)

Pot plants

Remote controlled model or toy motor vehicles

Remote controlled model or toy watercraft or aircraft

Removal of debris

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