Contents Insurance for Renters

Get cover for your possessions in your rental home

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What is Contents Insurance for Renters?

Content insurance provides contents insurance cover for renters, designed to cover any personal belongings and contents owned by you at your rental home such as furniture, appliances, computers, clothing and shoes.

What does Contents Insurance cover renters for?

Contents Insurance covers your general contents and belongings against loss or damage caused by insured events. Accidental damage cover is also available to purchase which helps protect you against accidental unexpected mishaps that are caused unintentionally.

Theft or Burglary
Cover for loss or damage to your contents caused by actual or attempted theft or burglary.
Accidental Breakage of glass or ceramic items
Cover for accidental breakage of glass that forms part of your contents.
If you are a tenant in a rental property, we will also pay for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.
Impact Damage
Cover for loss or damage to your contents caused by impact, including from a motor vehicle, a falling tree or any animal that is not kept in your home as a domestic pet.
Storm, Storm Surge1, Cyclone1, rainwater or run-off

Cover for loss or damage to your contents caused by storm, storm surge*, cyclone*, rainwater or run-off (provided run-off is not combined with flood waters).

*A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone.

Fire or smoke
Cover for loss or damage to your contents caused by fire, bushfires and grassfires or smoke.
Flood1

Cover for loss or damage to your contents caused by flood* and flood water* (combined with run-off and rainwater).

*A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details.

Alternative accommodation for you and your pets2
If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home we will pay the additional costs for temporary accommodation up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment, for a maximum of 12 months or until your contents are repaired or replaced.
Emergency contents storage
If your home building is unable to be lived in, we’ll pay to move and store your contents for the time necessary to repair or rebuild the rental home building, or until you find alternative accommodation, up to a maximum of 12 months.
Legal Liability
As part of your Contents cover we include legal liability cover up to $20 million. This cover can help provide financial protection if you are found liable for paying compensation following an accident.

This is a summary only of some of the features available on the Territory Home Insurance policy. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (where applicable) and Home Contents Key Fact Sheet, which is also available for reference.

Optional Covers

Optional Benefit
Accidental Damage cover
Cover for accidental damage or loss to any contents items at the insured address and anywhere in Australia up to 90 continuous days in any one period of insurance.
Optional Benefit
Portable contents cover3
Cover for loss or damage to your portable contents (items designed to leave your home or you take on you such as handbag, jewellery, cameras and glasses/sunglasses) caused by theft or an accident at the insured address and anywhere in the world when you are temporarily outside of Australia for up to 120 days.

Policy Documents and Key Fact Sheets

Any advice here is of a general nature only and does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) /Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) and Home Buildings or Home Contents Key Fact Sheet is also available for reference.

Home Contents Insurance Calculator

When you take out contents insurance, it’s important that the insurance value you nominate (known as your 'sum insured') accurately reflects the actual amount it would cost to replace your belongings. If you’re insured for less than the replacement value, you may have to pay the difference.

Value my Contents

Home Contents Replacement Cost Calculator

Value my Contents

For home owners and renters

The calculator will estimate a replacement cost by using the general information about your contents provided by you. The estimate may not be appropriate for you and you will need to assess its suitability given your knowledge of your contents. It is your responsibility to ensure that the level of cover will be adequate to replace your contents in the event of a covered claim. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (where applicable) and Home Contents Key Fact Sheet, which is also available for reference.

Frequently Asked Questions

If you’re renting or a tenant, and you want to be covered for the cost of repairing or replacing your contents (such as furniture, whitegoods, electrical appliances or clothing) then you should consider contents insurance. If you are unsure of the value of your belongings, you can use our contents calculator to help estimate the amount.

The calculator will estimate a replacement cost by using the general information about your contents provided by you. The estimate may not be appropriate for you and you will need to assess its suitability given your knowledge of your contents. It is your responsibility to ensure that the level of cover will be adequate to replace contents in the event of a covered claim. Terms, conditions, limits and exclusions apply.

Before making a decision, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (where applicable) and Home Contents Key Fact Sheet, which is also available for reference.

If you have contents insurance, here are some examples of how contents insurance can work if you suffer an insured loss:

  1. If someone breaks into your house and steals your contents – you can replace the items that were stolen under your contents insurance up to your contents sum insured.
  2. If there is an accidental breakage of a window and as a renter you are legally liable to pay for the breakage, your contents insurance will cover the cost to repair or replace the window.
TIO’s contents insurance does not cover^:
  • More than three unrelated persons living in your home. All occupants must be listed on your policy.
  • Claims for loss or damage to the following items while they are being used:
    • sporting and fishing equipment
    • bicycles
    • watercraft
    • drones or other autonomously piloted aircraft
    • firearms
    • equipment that is used, in any way, for business, trade or professional purposes when in use (except if it is used as part of a home office).
^This is a limited summary only. Please refer to the PDS for a full list of policy exclusions.

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

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Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO was established in 1979 to offer Territorians a range of insurance options to choose from. We are as committed and passionate about the Northern Territory as you are.

*Conditions Apply

1. 72 hour exclusion period for loss or damage occurring from cyclones, storm surge or floods.

To manage the risk of people taking out insurance on their uninsured home buildings or contents or increasing cover on their underinsured home buildings or contents when events such as cyclones, floods or storm surge are predicted, a 72-hour exclusion period applies to some insured events. We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood or storm surge, during the first 72 hours after you first take out or increase the cover under the policy. However, you will be covered from the time you take out or amend your policy for loss or damage to your buildings and/or contents caused by other insured events.

2. Alternative accommodation

Based on your building’s rentable value prior to the damage, up to 10% of Contents sum insured, up to a maximum of 12 months and up to $500 for your pets. This is a benefit we pay in addition to your contents sum insured. No excess applies to this benefit.

3. Portable Contents

Some portable contents must be specified on your policy schedule as Listed Portable Contents in order to be covered.

Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (where applicable) and Home Contents Key Fact Sheet, which is also available for reference.