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What is included in Contents Insurance?

Safeguard your valuables for peace of mind

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    Contents Cover
    Cover for replacing (new-for-old) or repairing items that are damaged or stolen.
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    Contents in Open Air
    Up to $1000 for contents in open air due to damage or loss in an insured event at your home.
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    Temporary Accommodation**
    (Up to 12 months)
    If your home is unfit to live in due to damage or loss, temporary accommodation is provided for your family and pets.
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    Legal Liability
    Up to $20 million compensation for legal costs relating to death or injury to other people, or loss or damage to their property.
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    Locks & Credit Cards
    Up to $500 for replacement of locks or key codes if your keys are stolen.

Insured Events

For life’s unexpected events, Catch Home & Contents Insurance will cover you against damage and loss caused by:

  • Storm and rainwater (flood is optional)
  • Fire and smoke
  • Lightning
  • Theft or burglary
  • Water damage (e.g. burst pipe)
  • Impact damage (e.g. fallen tree)
  • Accidental breakage of glass or ceramic items
  • Vandalism or malicious damage
  • Explosion
  • Earthquake

Call now and get a quote over the phone

1800 036 608

Our customer service hours are Monday - Friday 8:00am - 10:30pm AEST,
Saturday 8:00am - 5:00pm AEST

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    Flood CoverCovers your home & contents for loss or damage caused by flooding rivers, creeks and other bodies of water.
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    Personal Effects CoverCover for items you take away from your home such as cameras, jewellery, bicycles and musical instruments.
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    Accidental DamageExtend your Accidental Damage cover to include unexpected mishaps that are caused unintentionally.
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    Motor BurnoutCover for electrical appliances (less than 10 years old) in case a power surge burns out a motor.

Limits, terms and conditions apply. See PDS for full details.

FAQs

Does Contents Insurance cover damage caused by insects, including termites?

No – Catch Home & Contents Insurance does not cover damage caused by insects.

What items are under Contents Insurance?

Among other things, a contents policy covers:

  • furniture and furnishings
  • computers and electrical appliansces
  • kitchenware
  • clothing and shoes
  • personal effects like jewellery, sunglasses and cameras (if you want your portable items to be insured when you take them with you away from your home, you’ll need to get extra Personal Effects Cover).
  • fitted carpets and rugs
  • internal blinds, curtains and window coverings.

You are covered for these things up to the amount of your contents sum insured.

Are there limits on the amount you’ll pay to replace contents?

Yes – the following table shows you the most we’ll pay to repair or replace certain contents damaged or lost in any one insured event.

If you have an item that exceeds this limit, you’ll need to list, or specify, the item on your policy (where applicable).

Contents

Limit

Hand-woven carpets and rugs

Up to $2,500 per item1

Cash, cheques, and any other negotiable financial document

Up to $800 in total

CDs, DVDs, flash cards, digital media cards, audio and video tapes, records, computer discs, computer software, game cartridges, and game consoles

Up to $3,000 in total1

Firearms (legally registered and stored)

Up to $2,000 in total

Home office equipment

Up to $12,000 in total

Jewellery and watches

Up to $1,000 per item or set; and up to $5,000 in total1

Solid and plated silver and gold items (excluding jewellery and watches)

Up to $2,000 per item or set

Paintings, pictures, works of art, sculptures, and art objects

Up to $5,000 per item or set; and up to $12,000 in total1

Collections, memorabilia, stamps, collectors’ pins, medals, and collectors’ non-negotiable currency

Up to $2,000 per item or collection1

Tools of trade

Up to $2,000 in total

Specified contents items

Up to the sum insured2

  1. You may be able to insure the item/s for more than the limit by specifying it, or listing it separately, on your policy, with an individual description and value. You can do this when you get a quote and buy a policy or – if you’ve already bought one – by calling us on 1800 036 608, Monday – Friday 8:00am – 10:30pm AEST, Saturday 8:00am – 5:00pm AEST, to edit your policy.
  2. This amount is shown on your insurance certificate
Are valuables I take with me away from home, like jewellery, covered?

Among the items covered by Catch Insurance home contents insurance are:

  • bicycles
  • clothing
  • jewellery/watches
  • musical instruments
  • photographic equipment
  • sporting equipment.

These items are automatically covered if they are lost or damaged while inside your home.

Personal Effects Cover

If you want these items to also be insured when you take them with you away from your home, you’ll need to add optional Personal Effects Cover to your policy; you can choose one or both of two cover types:

Unspecified Personal Effects: These are portable items not specified, or listed separately, on your policy. The most we’ll pay per item is $1,000. You are required to nominate a total cover amount for a group of items damaged or lost in any one insured event: $1,000, $2,000, $3,000, $4,000, or $5,000.

Specified Personal Effects: These are portable items specified, or listed separately, on your policy, with individual descriptions and values.

For an additional premium, you can add one or both of the above mentioned personal effects covers to your policy.

You can do this when you get a quote and buy a policy or – or if you’ve already bought one – by calling us on 1800 036 608, Monday – Friday 8:00am – 10:30pm AEST, Saturday 8:00am – 5:00pm AEST, to edit your policy.

Note that some portable items, like mobile phones and laptops, are only covered if they are lost or damaged inside your home by an insured event.

This includes events like theft and storms but excludes accidental damage (e.g. due to you dropping your smartphone or tablet on the floor at home).

Do I need to list, or specify, contents on my policy?

It’s up to you to decide whether to list the following on your policy.

  1. Contents you want to insure for more than our benefit limit (where applicable)
  2. Portable items you want covered when you take them with you away from your home.
  3. You can list your contents when you get a quote and buy a policy or – if you’ve already bought one – by calling us on 1800 036 608, Monday – Friday 8:00am – 10:30pm AEST, Saturday 8:00am – 5:00pm AEST.
Does Contents Insurance cover my carpet?

Yes – Contents Insurance will cover fitted carpets. Replacement limits apply.

Is my contents covered for Flood?

Yes – if you decide to take out ‘Flood Cover’ as an optional extra. This covers your home against loss or damage caused by flooding rivers, creeks and other bodies of water.

What happens if an insured item is not at my home when it is damaged or lost?

Insured items are automatically covered if they are lost or damaged while inside your home. If you would like portable items to be insured when you take them away from your home, you will need to add extra Personal Effects Cover to your policy.

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Club Catch Double CatchBackExclusive

Limited time only!

When you sign up to Catch Home Insurance and join Club Catch, you can receive Double CatchBack*, up to $100, electronic shopping vouchers eligible to spent on Catch.com.au.

With over 1,700,000 screaming good deals at Catch there’s something for everyone.

Get a Quote     Join Club Catch

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