Household items you might forget to insure

woman folding clothes in a wardrobe

Alice Piper

Posted February 25, 2022

From smart watches to exercise equipment, here are some common household items you might forget to cover adequately with insurance … but shouldn’t. 

Whether you’re a homeowner or a renter, ensuring that you have suitable home and contents insurance coverage in place is a smart play, especially when the cost of replacing items can quickly add up in the event of something unexpected like fire, storm or theft.

While sentimental things such as watches, jewellery and family heirlooms might immediately spring to mind when considering home and contents insurance policy coverage, you may undervalue other everyday items, new purchases and even recent birthday or Christmas gifts that make life more enjoyable. 

Do you have adequate contents insurance in place for these items?

Laptops and tablets

Technology items such laptops and tablets certainly don't come cheap. Whether you’ve purchased a new item for work or study, kids’ school use or entertainment, check that the current value of these essentials is covered on your contents insurance policy.

You may even wish to add portable items cover or accidental damage insurance coverage for these expensive items.

Home office equipment

The way we work has changed dramatically since the onset of the Covid-19 pandemic and as consequence, many Victorians have set up new home workspaces – investing considerable money in new equipment in the process.

The cost of ergonomic office chairs, stand up desks, computer monitors, printers and headphones can total in the thousands of dollars if they need replacing due to fire, storm or theft.

woman typing on a laptop at the dining room table

Many households have more than one laptop or tablet, which can cost thousands to replace. Image: Getty

Clothing, shoes and accessories

You might be shocked at how much money you’ve spent on clothing, shoes and accessories in recent years. The average Australian spends $2,000 on fashion each year alone, which means there’s potentially tens of thousands of dollars of apparel sitting in your household.

Consider whether you need to update your insurance policy to cover the current value of your favourite clothes, shoes and accessories.

Garden tools and power tools

The value of gardening and home improvement tools can quickly accumulate in the garage or shed, particularly after a major renovation or garden project.

Taking stock of this equipment and checking whether you have adequate insurance coverage in place, may save you some hip-pocket pain in the event of something unexpected.

woman wearing a fitness watch

Smart watches and other wearables are items commonly left off insurance policies. Image: Getty

Smart watches and fitness wearables

Smart watches and fitness trackers play a key role in the day-to-day life of tech lovers, fitness casuals, semi-professional athletes and anyone wanting to track their heart rate, calories, sleep and other health metrics.

Popular models from Garmin and Apple can cost more than $500, so consider whether you have appropriate home and contents insurance in place to cover these items inside the home, as well as portable items cover for when you’re out and about in public.

Exercise equipment and bikes

Many Victorians have ditched the gym membership in recent years in favour of home gyms featuring Peloton spin bikes, weight training machines, treadmills and rowing machines.

Cycling too has surged in popularity in the wake of the Covid-19 pandemic, with bike thefts increasing dramatically in Victoria as second-hand prices rise and bike retailers face stock shortages. Over 7,381 bikes were stolen in Victoria in 2021, an 82 per cent increase over thefts recorded in 2011.

Check whether your current insurance policy covers sports equipment and update it accordingly, while portable contents insurance cover can safeguard your precious set of wheels in public.

Ensure your belongings are protected with RACV Home Insurance.
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This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determination. For copies, visit

Products issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed.