Contents Insurance for renters
Protect your belongings if you live in a rental property from loss or damage from insured events such as theft, fire and storm.
Save up to 10% on your first year’s premium when you purchase a new contents policy online1,5.
Get up to 30% No Claim Bonus discount on your premium2,5.
Option to increase your excess which may reduce your premium3.
Pay by the month at no extra cost4.
Getting the right cover for your contents while you live in somebody else's property is easy with Contents Insurance for renters.
If you are renting, have you considered how much it would cost to replace all the contents in your home if they were destroyed by fire or storm? Or in the event of theft or burglary? 1300 Insurance Contents Insurance can help you protect your belongings from loss or damage caused by insured events such as fire, theft and storm.
Cover for your belongings from loss or damage caused by fire, theft and storm.
Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.
Features and benefits
The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a 1300 Insurance contents insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please consider the Product Disclosure Statement (PDS), and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover.
Select the cover to suit your needs.
Effective 1st February 2021
1300 Insurance Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, 1300 Insurance Contents Insurance will cover the rental costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment, up to a maximum of 12 months.
1300 Insurance Contents Insurance will cover up to 10% of the contents sum insured for removal of debris from the home building if your contents are damaged or destroyed by an insured event.
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, 1300 Insurance Contents Insurance will pay for you to replace it, and your standard excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia) the maximum Allianz will pay is $500 and no excess will apply.
1300 Insurance Contents Insurance also provides cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
1300 Insurance Contents Insurance will cover you up to your contents sum insured for loss or damage caused by storm, cyclone*, rainwater and run-off (provided run-off is not combined with flood waters). * Please note a 72 hour exclusion period applies for cyclones, floods, grassfires and bush fires after you first take out or increase cover under a policy.
Rest easy, within the first 72 hours following a storm, 1300 Insurance Contents Insurance has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
1300 Insurance Contents Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
1300 Insurance Contents Insurance will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.
Apply to add any of these optional covers for an additional premium and greater cover.
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your contents.
Optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the Home.
The Motor burnout option covers you if an electrical current damages your household electrical motors up to 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.
Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies after you first take out or increase cover under the policy.
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
How to apply for cover
It’s quick and easy to apply for 1300 Insurance Contents Insurance for renters. Simply call 1800 644 143 or click here to get an online quote.
By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.
Need to Claim?
If something does happen to your home, you need an insurance company who will act fast to help you get your home back in shape. That's why we arrange insurance through Allianz, who have a quick and efficient claims process, to bring you this insurance. Click here for information on how to claim.
Get a quote Call 1300 467 872
By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.
What does Contents Insurance for renters cover?
Contents > What’s covered?
Contents Insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags. So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Vital Home Insurance, Classic Home Insurance, Prestige Home Insurance or Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
Home Contents Calculator
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided this calculator. It works as a guide to help you estimate the replacement value of your home contents.
Home Contents replacement calculator
Policy Documents and Key Fact Sheets
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the 1300 Insurance Home Contents Product Disclosure Statement (PDS) and any applicable supplementary PDS and Home Contents Key Fact Sheet also available for reference.
1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from 1300 Insurance website. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.
1A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
2When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
3Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
4If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
5If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
Contents Insurance for renters
Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1800 644 143 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the renters insurance claims process. In order to be sure that you are covered under this policy you should always contact us for approval before you incur any expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked first.
Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 467 872 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Contents Key Fact Sheets.
1300 Insurance will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Remember, 1300 Insurance Home and Contents Insurance will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting 1300 Insurance on 1300 467 872). If you’re not sure whether you have added these cover options, you can check your policy schedule.
We’ll cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst items contents are in transit (unless you have Accidental damage cover).
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.
Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.
Thanks for your question.
We try very hard to respond to every question we get in a timely manner, but if your question is urgent you might want to call us on 1300 467 872.