Effortless contents insurance

Protect your contents without the fuss. Local expert help, plus make claims 24/7 online. Save 10% when you combine home and contents.2

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Protect what’s precious

Your laptop, camera, mobile phone & other electronics

Depending on the level of cover you choose. 

Your sofa, bed, tables & other furniture
Your jewellery, antiques, art & valuables

Cover limits apply.

Your everyday clothes and accessories
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Woman holding cup and rearranging couch cushions
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Save 10% on your home and contents insurance today2

Cover for when life doesn’t go to plan

We cover loss or damage to your contents, for these events and more. 

Fire and bushfire

Flood, storm and rainwater

Earthquake, tsunami, or volcanic eruption

Theft and malicious damage 

Accidental glass breakage

Escape of liquid, like when a pipe bursts unexpectedly

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Choose your level of contents cover

Summary only

Full benefits, terms and conditions are in our Product Disclosure Statement

Limited
Basic
Comprehensive
highest cover
Huddle Black Comprehensive
Contents in your home office

Cover for contents in your home office caused by an insured event.

Up to $2,500
Up to $5,000
Up to $10,000
Contents in your new and old address

Cover for your contents in the home at both your new and old addresses for up to 14 days from the day you start moving.

Up to your contents sum insured
Up to your contents sum insured
Up to your contents sum insured
Portable Valuables cover (optional)

Optional cover for your specified items anywhere in Australia (and New Zealand with Huddle Black). Cover limits apply. Excludes mobile phones.

Optional
Covers anywhere in Australia
Optional
Covers anywhere in Australia
Optional
Covers anywhere in Australia and New Zealand
Legal liability

We provide cover for claims made against you for death or injury to another person and for loss
or damage to someone else’s property.

Up to $20 million
Up to $20 million
Up to $30 million
Credit cards

If your card is lost or stolen from your home, we’ll pay for loss or theft of your funds if your card is used fraudulently.

Up to $2,500
Up to $5,000
Up to $5,000
Contents while in transit

Cover for your contents while they’re being moved from your old address to your new address for loss or damage caused by fire, collision or overturning of the vehicle carrying them.

Up to 20% of your contents sum insured
Up to your contents sum insured
Up to your contents sum insured
Food spoilage

We'll cover food spoilage in your fridge or freezer caused by a failure of public electricity supply to your home.

Up to $500
Up to $1,000
Up to $2,000
Visitor contents

We'll cover loss or damage to your visitors' stuff caused by an insured event at your home.

Up to $2,500
Up to $5,000
Up to $5,000
Electrical motor burnout

We’ll pay the cost of repairing or replacing any burnt out motor which forms part of your contents like in a food processor.

Up to $2,000

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Contents insurance made easy

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Online, anytime

You’re in control - buy, manage and claim online. It’s how insurance should be.

Back on your feet, faster

Submit a claim online 24/7. Our clever tech and expert claims team will get the ball rolling so you get the help you need.

Skip waiting on hold

Have questions about your quote, policy or claim? Book online and we’ll call when it suits you.

Smart savings with smart home devices

Get rewarded for keeping your home safer with smart devices like Google Nest.

This includes smart smoke alarms, leak detectors or smart home security cameras that can send alerts to your smartphone1.

Upgrade to Huddle Black, our premium cover

Enjoy all the features of Comprehensive Cover plus:

Cover valuables across Australia and New Zealand (Optional)

You can add Portable Valuables Cover for things you take out and about, like your handbag, jewellery, laptop or tablet. Excludes mobile phones.

Cover limits apply. Excludes mobile phones.

Our highest limits

Get a wider range of perks and higher limits, including up to $10,000 for home office contents and higher limits for valuables including jewellery or watches, up to $10,000 per item or more if listed.
Cover limits and terms apply.

Exclusive benefits

Get additional cover exclusive to Huddle Black, like up to $2,000 for loss or damage to your tools of trade while at your home.

Huddle insurance benefits are subject to terms, limits and exclusions. For full details about our products, read the relevant  Product Disclosure Statement and the Target Market Determination which explains who the products are suitable for.

Our team of experts have your back

Local insurance experts

Have questions about your quote, policy or claim? Our friendly Sunshine Coast and Melbourne teams can give you a hand.

You won’t miss the hold music

Book an appointment online and we’ll call when it suits you.

Always here in emergencies

Available 24/7 if you have an emergency claim. 

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Everything you get with Huddle

Buy, manage and claim online, anytime

Complimentary carbon offset with your new policy3

Pay monthly or save by paying annually

Local insurance experts, book online and we’ll call when it suits you

Flex your excess to reduce your premium

Customisable cover with optional handy extras

24/7 emergency assistance

Fast claims - some car insurance claims get a decision in minutes

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Great for the planet too

We’ll pay to help offset your carbon emissions by planting and protecting native forests when you buy a new policy.3

It’s part of our mission to use business as a force for good. We donate a portion of our revenue for the planet and we’re Australasia’s only B-Corp Certified insurance company.

Life moves fast.
Get insurance in minutes.

Commonly asked questions

What’s the difference between Home Insurance and Contents Insurance?
  • Home Insurance is for homeowners who live in their home and want insurance for their building and fixtures. It covers the residential buildings, domestic outbuildings, fixtures, services like electricity, water and gas at the insured site, permanently installed swimming pools and paved driveways etc.
  • Contents Insurance is for homeowners living in their home or renters renting a home who want insurance for their things. Contents include things like art, watches, jewellery, sporting equipment, carpets, rugs, furniture, electronics, bicycles, portable musical instruments and more.
Some of my belongings are very valuable. How are they covered?

Your valuable contents are covered up to your contents sum insured while inside your home, however some types of contents have fixed or flexible limits.

For example, the maximum we can provide cover up to for bicycles or portable musical instruments is $1,000 per item for Basic Cover or $2,000 per item for Comprehensive Cover.

Jewellery, watches, collectables, and media (like CDs and DVDs) are covered up to flexible limits depending on your cover level, but you can increase these limits by letting us know and having the items individually listed with their value on your Certificate of Insurance. You don't pay extra for this, for cover within your home, so long as you account for these valuables when choosing how much to insure your contents for.

You can also add our Portable Valuables Cover option to cover things you take on the go. Check out the relevant Product Disclosure Statement for more information on Portable Valuables Cover.

For more information on the limits that apply to contents and valuables, you can check out the relevant Product Disclosure Statement.

What does accidental damage mean?

Accidental damage means damage caused unintentionally to your home, if you have Home Insurance with this cover option, or contents, if you have Contents Insurance with this cover option. Accidental damage can cover things like your favourite vase breaking or your hallway wall being damaged as you’re moving your new couch in.

You will be covered for accidental damage if you choose the Comprehensive Cover option or Huddle Black for your policy.

Some things are excluded, like scratching, chipping or denting, caused by normal use. See the relevant Product Disclosure Statement for more information.

Under the Basic Cover option, you will still be covered for accidental glass breakage. Policy terms do apply.

I’m going on holiday, what do I need to do?

It's important to let us know if your home will be unoccupied for a period of more than 100 consecutive days. If you tell us, we may be able to provide cover during this period subject to certain conditions for your home being unoccupied. See the section titled ‘Leaving your home unoccupied’ in the Huddle Home & Contents Insurance Product Disclosure Statement for details.

We do not provide cover where your whole home is rented out on Airbnb or similar shorter term rental (even if it's just while you're on holiday).

Can I pay my premium monthly?

Yes. You can choose to pay monthly for your car, home or contents insurance, or save by paying annually.

Am I covered for flood?

Yes, you’re covered for flood whether you choose Home Insurance, Contents Insurance or both. The higher of your chosen basic excess or a fixed excess of $500 applies to each flood event.

There's no cover for rainwater or flood, if it occurs within the first 72 hours of the time you first purchase the policy, or you subsequently purchase the policy after any gap in home/ contents cover, unless you transferred a home/ contents insurance policy with equivalent cover to us from another insurance company without an interruption in cover. We will not cover any increase in sums insured for these events in the first 72 hours.

More insurance from Huddle

Home insurance

Save 10% when you buy a combined Home and Contents policy.2

Contents insurance

For renters or homeowners, cover for loss or damage to your belongings