Home and Contents Insurance Outside your Home Image

When you look at your home insurance policy, you may find that there are outdoor items on your property that can be covered.

COTA Home Contents insurance issued by Allianz can include a range of items that are outside your property such as push bikes, mobility scooters, lawn mower, BBQ’s and even gardening equipment.

These items are covered up to limits set out in the Product Disclosure Statement.

Here are some frequently asked questions on home and contents insurance outside of your home:


Q: Are items in an outdoor shed or garage, treated as part of my contents insurance?

The answer is that it depends. If access to the shed or garage is properly secured by a locking system, then it’s likely that the items will be considered to be kept inside the insured’s building. However, if the shed or garage is unlocked or if it is an open sided structure, then the items will be considered to be in the open air and therefore may not be included as part of your contents policy.


Q: Please explain cover for portable items that you take with you away from your home?

Portable contents are items designed to leave your insured address with you (such as a handbag, wallet, suitcase or musical instrument) or on you (such as spectacles, sunglasses, jewellery or clothing).  If you choose this option, you will be covered for accidental loss or damage to your portable contents anywhere in Australia and for a maximum of 35 days in any one period of insurance elsewhere in the world. Some contents items have a maximum limit on how much they are covered for, such as jewellery, art or collectables. You will need to list these items separately on your policy – and specify a replacement value if the value is above the standard limit.


As always, you should check your Product Disclosure Statement to find out what is covered.




Insurance and Membership Services Limited ABN 59 057 159 743, AR No 246235 trading as COTA Insurance (COTA, we, or us), arranges this insurance as agent of the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL No. 234708. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. Policy terms, conditions and exclusions apply. You should read and consider the relevant Product Disclosure Statement available at cota.com.au before deciding whether to acquire any product mentioned. The relevant Target Market Determination is available by calling 1300 1300 50. We receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 0.3% to 25%. Allianz also pays us a percentage of the profit which exceeds the agreed profit threshold for Home (excluding flood), Landlord (excluding flood), Additionally, we receive a marketing allowance from Allianz every 2 months, which is a percentage of the total premium earned on these policies in the previous 2 months. Ask us for more details before we provide you with our services by calling 1300 1300 50.