While you may not need home insurance (that’s generally the responsibility of the landlord), it’s important to safeguard your possessions like laptops, TVs, kitchen appliances and furniture.

That’s when contents insurance can come in handy. This type of insurance typically covers your belongings if they’re damaged or stolen.

What’s more, if food in your fridge or freezer is spoiled after a commercial power outage, this might also be covered by contents insurance.

It’s important to check with your insurer though because not all contents insurance policies cover this, and conditions may apply.

While you take care of your belongings, it’s the landlord’s responsibility to make sure they’re covered for certain aspects too. Chances are, they have landlord insurance, which might include many of the same protections as standard home insurance.

While you take care of your belongings, it’s the landlord’s responsibility to make sure they’re covered for certain aspects too.

This may cover any structural damage to the building due to storms, floods, fire or a break-in. The main difference is the landlord is generally protected for any loss or damage caused by tenants or their guests.

So, you protect what you bring into the rental property, and the landlord looks after the house. This may vary between different insurers or situations, so consult with your insurer beforehand.

Home and Contents Insurance is issued by RAA Insurance Ltd ABN 14 007 872 602. AFSL No. 232525. Terms, Conditions, Limits and Exclusions apply. Consider the Product Disclosure Statement and Target Market Determination available from the RAA website when deciding whether to purchase this product.