When you're a tenant, it’s sometimes hard to know whether you need insurance. Landlords are responsible for insuring their rental property building and any contents they own. However, landlord's insurance generally doesn't cover your belongings like your furniture, whitegoods, electrical appliances, clothing, personal effects and other possessions. If you're renting a house, unit or living in a share house, you might want to consider our insurance for renters, Contents Insurance.
Accidental damage
As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage.
To really wrap your head around what’s covered with this insurance, you should take a look at:
Listed events
Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
To really wrap your head around what’s covered with this insurance, you should take a look at:
Fundamentals
Basic has you covered for floods, fires, break-ins and more.
To really wrap your head around what’s covered with this insurance, you should take a look at:
Accidental damage
As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage. What’s more, your contents are covered anywhere in Australia and NZ for up to 90 days at a time.
Accidental damage or accidental loss
Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to 20% of your sum insured or $7,500, whichever is greater (includes GST) (up to $2,500 per item)
Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air
Burning out of electrical motors For motors up to 15 years old
Food spoilage Following breakdown of freezer, includes accidents
Vet expenses if your pet is injured in a road accident Up to $500 (includes GST)
Liability cover Up to $20 million, worldwide
Bicycle cover Up to $20,000, includes accidents (except when racing)
Flood cover
New-for-old replacement cover (Contents)
Credit card and transaction card misuse Up to $5,000
Small boats and watercraft Max length 4m - motors less than 10hp
Listed events
Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
Accidental damage or accidental loss
Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to 20% of your sum insured or $5,000, whichever is greater (includes GST) (up to $2,500 per item)
Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air Up to $2,000 for the events listed (includes GST)
Burning out of electrical motors For motors up to 15 years old
Frozen food Following breakdown of freezer, up to $500 (includes GST)
Vet expenses if your pet is injured in a road accident Up to $500 (includes GST)
Liability cover Up to $20 million, worldwide
Bicycle cover Up to $20,000
Flood cover
New-for-old replacement cover (Contents)
Credit card and transaction card misuse Up to $5,000
Small boats and watercraft Max length 4m - motors less than 10hp
Fundamentals
Get exceptional value for money with Basic cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
Accidental damage or accidental loss
Valuable items Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc. Up to $2,000 (includes GST) (up to $1,000 per item)
Optional additional valuables cover Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Contents at home in the open air Up to $1,000 for the events listed (includes GST)
Burning out of electrical motors For motors up to 15 years old
Frozen food Following breakdown of freezer
Vet expenses if your pet is injured in a road accident
Liability cover Up to $20 million, Australia-wide
Bicycle cover Up to $20,000
Flood cover
New-for-old replacement cover (Contents)
Credit card and transaction card misuse Up to $1,000
Small boats and watercraft Max length 3m - unpowered only
Before you decide on the cover that’s right for you, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.
For previous policy booklets, check our policy booklets page.
When you take out Contents Insurance as a renter you're taking out cover for things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture.
How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic.
To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to where you live, and more.
The best way to answer this question is to complete a quick quote. You'll have an answer in less than five minutes.
This depends on the type of policy you’ve taken out. Each of our Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.
In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).
We encourage you to read your PDS to see the full list of what is and isn’t covered:
If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen.
To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these:
