Compare portable contents insurance
Looking to take out insurance for your personal possessions when you take them away from home? The table below features a selection of contents-only policies with cover for unspecified portable items from our Online Partners. The initial table display is sorted by Star Ratings, then alphabetically by brand.
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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
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What is portable contents insurance?
Portable contents insurance, also known as personal effects insurance, can provide a level of financial cover for personal items that regularly leave your address with you. It could be a handbag or an item that you wear, like jewellery.
Where is portable contents insurance available?
Portable contents insurance or personal effects insurance cover may be included under your home and contents insurance, or it may be available to add to your existing policy at an extra cost.
Some insurers may also offer portable contents insurance as a separate product. You may consider taking this out if you need extra cover on particular items and don’t have an existing contents or combined home and contents policy that includes portable contents cover.
What is covered by portable contents insurance?
Portable contents insurance typically provides cover for your personal items in the event of theft, accidental loss or damage while you are away from home anywhere in Australia or New Zealand.
Some policies may extend this cover to other countries when you are travelling for a certain period of time. It may be a good idea to check with your insurer as to whether overseas cover for your personal items is available or if any exclusions may apply.
Types of portable contents insurance
There are generally two types of portable contents insurance to choose from – listed and unlisted. These may also be referred to as specified or unspecified cover.
Unlisted (or unspecified)
When taking out this type of cover you can typically choose the maximum limit per item and the total sum insured – for example, up to $1,000 per item to a total of $4,000 of cover – without having to list items individually on your policy. The limits you can choose from will be set by your insurer, including a maximum payout amount.
You can use the table at the top of the page to compare home and contents insurance policies that offer unspecified portable contents insurance.
Listed (or specified)
For this cover, you may be able to insure certain items separately for their full value by listing them individually on your policy and estimating a replacement cost for each one. The value will need to be agreed on between you and your insurer. There will likely be an additional premium for any listed or specified items or personal effects.
Frequently Asked Questions about Portable Contents Insurance
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About the authors
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.