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.

  • How you are covered

    • Save up to 10% on your first year’s premium when you purchase a new policy online1,3
    • Get up to 30% No Claim Bonus discount on your premium2,3
    • 24/7 emergency claims assistance
    • Option to increase your excess which may reduce your premium4
    • Pay by the fortnight or month at no extra cost5

    Getting the right cover for your contents while you live in somebody else's property is easy with Allianz 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? Allianz 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 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

    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 contents insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Key Fact Sheet (KFS) before making a decision to purchase the insurance.

    Select the cover to suit your needs.

    Effective 18 November 2019

    Cover when you’re moving house

    Allianz 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).

    Alternative accommodation for you and your pets

    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, Allianz pay the additional 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.

    Debris removal

    Allianz will pay 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.

    Food or medicine spoilage

    If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay up to the amount specified in the PDS for you to replace it.

    Guest, visitor and domestic helper property

    Allianz also provide 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.

    Cover for events

    Allianz 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). For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.

    Cover for storm damage

    Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

    Legal liability

    Allianz 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.

    Accidental damage cover for you rental property

    Allianz 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.

    Optional covers

    Add any of these optional covers for an additional premium and greater cover.

    Optional cover – Accidental damage

    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 home contents.

    Optional cover - Portable 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

    Optional cover - Motor burnout

    The Motor burnout option covers you if an electrical current damages your household electrical motors.

    Optional cover - Flood cover

    Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.

    Domestic worker’s compensation cover 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 claim

    Online, any time

    The most convenient way to make a home insurance claim is via the online claim form. You can submit your claim notification 24 hours a day, 7 days a week, whenever it suits you. 

    All you need to do is complete the online claim form and, once it is lodged, a friendly claims consultant will contact you as soon as possible.

    • A secure form
    • No phone queues 
    • Immediate confirmation number for your reference

    Submit your claim via our underwriter, Allianz’s online claim form. 

    Over the phone

    Contact our claims hotline on 1300 555 030, 24 hours a day, 7 days a week.

  • Calculate the value of your home or contents

    Home Insurance Calculators

    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, Allianz 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. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.

    To get a quote or apply:

    If you'd like to get a quote or apply, call us today.

How to apply

Simply answer a few questions about your contents to ensure the right cover is selected. At the end of the application, if you meet the eligibility requirements, you can purchase the insurance policy via direct debit or with your credit card.

Get a quote

Retrieve a quote

Need help or want some more information

Call us today for more information on Allianz Contents Insurance for Renters on 1800 472 265 8am to 7pm, weekdays or 9am to 3pm Saturday.

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 refer to the relevant Product Disclosure Statement (PDS), any applicable supplementary PDS and key fact sheet/s.

If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Allianz Classic, Allianz Vital, Allianz Prestige Insurance or Allianz Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

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