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How to set up a garden in a rental 


Living with plants is great for your mental health and wellbeing — and renters shouldn’t have to miss out on the benefits.

Gardening in a rented house or apartment is totally possible, with a little creativity.

Here are some tips for all you renters and budding high-rise gardeners.

Get creative with containers

Always wanted a veggie patch? Polystyrene boxes can be great for growing one indoors! Paint and decorate them to your liking. If you’re after a rustic look, use small wooden crates — they’ll be easy to relocate if you move house.

Think water features are only for people with big gardens? Think again. Wine and whiskey barrels make excellent mini water features. Add water lilies for a touch of greenery.

Living in a tight, crowded space? Buy hanging planters or make your own with tin cans.

Pick hardy plants that will thrive in small containers and are adaptable to different light conditions, such as wax plants.

Make sure you’re covered

AAMI Home and Contents Insurance covers pots and movable plants — and you don’t have to own your home to be covered! Our Contents Only Insurance was designed with renters in mind.

We cover your decorative pieces and other belongings too! We cover paintings, pictures, ornaments, works of art and more — for up to $2,500 per item or set, up to a total of $5,000.

Get a Contents Insurance Quote

If you want to make sure an in-ground plant you love is covered, you should consider asking the owner or property manager if their Landlord Insurance covers it.

If you’re a home owner yourself, Home and Contents Insurance will provide you the right coverage for any grounded plants or trees on your property. 

Make use of different areas

Don’t feel limited to your living room! Your stairwell can make a great spot for some greenery — but make sure you have permission!

If you have a balcony, this also makes an ideal spot for a high-rise garden.

A little framing can go a long way in small spaces. For example, large feature pots and plants can be used to frame doorways and entrances to make your home look grand.

Try raised garden beds

Planting a garden in a rental is simple with raised garden beds. They provide the feel of a garden, and the convenience of being easily removable. And we cover them, too!

These garden beds can be a quick and easy way to create a small garden patch or flower bed to add a pop of colour to your home.

But be careful — you may incur a higher cleaning bill at the end of your lease. You’ll also need to watch out for water damage and leaks.

Artificial turf and plants

An artificial turf is no longer tacky — the tech has come a long way since the 80s! There are so many realistic options available nowadays, including versions with brownish undertones.

Slap a piece on your patio floor for an effortless way to turn it into your own little garden.

Don’t forget to read your rental agreement!

This may sound obvious, but always read the fine print of your rental agreement before making any changes to the property.


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Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.