Contents insurance for renters
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Winner of Canstar's Most Satisfied Customers - SA Home Insurance Award 2019-2025 -
Discounts and benefits for RAA members -
Easy online claims 24/7 -
Pay monthly at no extra cost
What is renters insurance?
Renters insurance is also known as contents insurance. It's designed to protect items you own, even if you don't own the home. This could include your TV, phone, appliances, and even your clothes.
Contents insurance can cover events like theft¹, fire¹, flood² and storm¹. You can customise your cover to include accidental damage, valuable items and pets.
It's easy to get a quote online and you can claim online 24/7.
Who is renters insurance for?
Why do I need renters insurance?
Which events does contents insurance cover? |
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Fire, including bushfire¹ |
Flood² |
Storm and rainwater runoff¹ |
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Burglary, theft and attempted theft¹ |
Bursting or leaking liquid |
Impact damage |
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Malicious damage and vandalism |
Lightning |
Earthquake or tsunami¹ |
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Explosion |
Damage by an animal³ |
Riot or civil commotion |
¹48 hour waiting period applies. ²72 hour waiting period applies. ³Excludes damage caused by domestic pets, vermin, insects, spiders, reptiles, birds or termites.
Great additional benefits
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Moving to a new address
Cover for your contents from the date you start moving out of your old address and for up to 14 days at your new address. -
Accommodation for up to 12 months
If your home’s unfit to live in due to an insured event. Up to 10% of your sum insured. -
Accidental glass breakage
Repair or replacement of glass in furniture, pictures, paintings, mirrors and aquariums. -
Motor burnout
Replacement or repair of household electric motors if they burn out or fuse and are less than 10 years old.
Add optional cover
Accidental Damage Cover
Covers your contents if they're accidentally damaged, lost or stolen anywhere in Australia or New Zealand. You can choose cover for up to $2,000 or $5,000 per claim.
This could help cover accidental damage to things like mobile phones, laptops, TVs and smart watches.
Cover for Valuable Items
Our contents insurance has limits on the amount you can claim for some items. You can add cover for items that are more valuable than these limits, covering them for insured events at home (cover known as Specified Items in the Home).
You can also add cover for items that are stolen, lost or accidentally damaged at home and worldwide (cover known as Specified Items Away from Home).
Pet Cover
You can add our optional Pet Cover for your furry family members to your policy.
It covers up to $500 per year for vet costs if your dog or cat suffers an illness or injury which isn’t pre-existing.
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Save 5% on your shop at Drakes Supermarkets
Simply scan your RAA membership card in store. Available until 3 May 2026 and subject to change. T&Cs and product exclusions apply.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products.
Why choose RAA?
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Access to shopping and entertainment discounts
You'll get access to RAA Rewards, so you can enjoy discounts on fuel, dining, shopping, cinema, entertainment and more from our network of partners across South Australia. -
Multi-policy discounts
We give you a discount of up to 10% on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.* -
Our claims are handled in SA
You'll always speak to a local who understands.
*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
Frequently asked questions
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What’s the difference between renters insurance and contents insurance?
Contents insurance is the type of cover offered by RAA that is suitable for most renters. Some insurers sell a cover called renters insurance, which like RAA's contents insurance, covers items within your home rather than the building itself.
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What’s the difference between landlord insurance and renters insurance?
Landlord insurance covers a home you own when it's used as a rental property or short stay accommodation.
Renters insurance, or contents insurance, covers the items you own when you're living in a home that someone else owns. This could be a rental, or moving in with someone who is renting (like a partner).
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How much should I insure my contents for?
When you get a quote with us, you can choose your own ‘sum insured’, which is an amount based on what it would cost to repair or replace your contents. It also includes the cost of removing damaged items and any associated storage costs.
If the amount you insure your contents for (the sum insured) isn't adequate, you may be out of pocket if there's an insured event.
Think about how much it would cost to completely repair or replace the things you own, as well as the cost of removing any damaged items and associated storage costs. See the relevant Product Disclosure Statement for all inclusions, exclusions and limits.
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Are my contents covered if I take them out of the home?
Our Contents Cover includes cover for your contents while they're temporarily removed from your home to another residential address or a storage facility. This cover is limited to up to 10% of your sum insured.
We also have two optional covers you can add to your policy:
- Accidental Damage Cover – we'll cover your contents for up to $2,000 or $5,000 if they're accidentally lost, stolen or damaged anywhere in Australia or New Zealand.
- Cover for valuable items away from home – if you have valuable items like jewellery or watches, you can add them to your contents insurance policy and we'll cover their replacement value (up to the sum insured) if they're accidentally lost, stolen or damaged anywhere in the world.
To add either of these covers to a new policy, choose them when getting a quote. To add them to an existing policy, call us on 8202 4567.
See the relevant Product Disclosure Statement for all inclusions, exclusions and limits.
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How do I lodge my claim?
You can lodge your claim online through My Account, or you can call us on 8202 4575. All claims are handled in SA and you’ll always talk to a local.
What other insurance does RAA offer?
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We've won Canstar's Most Satisfied Customers - SA Home Insurance Award for the seventh year running
In 2025 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers. We’re proud to have won the Canstar Most Satisfied Customers – SA Home Insurer Award.
We're here to help
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Frequently asked questions
Visit our help centre for answers to FAQs, important documents and more
Things you should know
Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statement (PDS) and Supplementary PDS (if applicable) and the Target Market Determination (TMD).
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.
Find out how we support our vulnerable members.