Contents Insurance for Renters

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Protect your belongings if you live in a rental property from loss or damage from insured events such as theft, fire and storm.7

  

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Contents Insurance for Renters:

  • Save up to 10% on your first year’s premium when you purchase a new contents policy online1, 4
  • Get up to 30% No Claim Bonus discount on your premium3, 4  
  • Option to increase your excess which may reduce your premium
  • Pay by the month at no extra cost6

Getting the right cover for your contents while you live in somebody else's property is easy with Ansvar Home and Contents Insurance.

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? Ansvar Home and 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 damage caused by fire, theft and storm7
  • Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

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 landlord insurance policy. For full details of the standards terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement  (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Landlord Buildings and Landlord Contents Key Fact Sheet (KFS) also sets out some information about the cover.

 

Select the cover to suit your needs. Effective 22 February 2021.

 

Features and Benefits

Contents cover - additional benefits

Cover when you’re moving house

Ansvar Home and 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).

Additional 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, Ansvar Home and Contents Insurance will cover 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

Ansvar Home and 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.

Food and medicine spoilage

If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Ansvar Home and Contents Insurance will will pay for you to replace it. If you claim for this benefit, 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. No excess will apply.

 

Guests, visitor and domestic helper property

Ansvar Home and Contents Insurance 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

Ansvar Home and 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). 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, Ansvar Home and Contents Insurance has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

Legal liability

Ansvar Home and 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.

Accidental damage cover for you rental property

Ansvar Home and 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.

  

Optional Covers

Apply to add any of these optional covers for an additional premium and greater cover. 

Your options

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.

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. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.

Motor burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage 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.

 

What does Renters Insurance 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.

 

 

 

  

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 Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents key fact sheet also available for reference.

 

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 - 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

Value My Contents

  

FAQs

What do I do if I need to make a renters insurance claim?

Do what you reasonably can to prevent any 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 1300 555 030 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 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 us first.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 650 540 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.

What does it mean if I take the Accidental Damage cover option?

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).

Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

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.

What if I need to claim on portable contents cover?

You need to provide evidence of the value and ownership of both listed and unlisted portable contents.

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance) by contacting Ansvar Insurance on 1300 650 540. If you’re not sure whether you have added these cover options, you can check your policy schedule.

What is considered ‘unable to be lived in’?

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.

  

Next Steps

 

 

 

 

 

 

 

 

 

 

 

 

Disclaimers

Ansvar Insurance Limited; ABN 21 007 216 506. AFSL/Australian Credit Licence No. 237826 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.ansvarpersonal.com.au. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

  1. Online discount
    A 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.
  1. NCB
    When 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.
  1. Minimum premiums
    If 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.
  1. Option to change your excess
    Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
  1. Instalment premiums
    If 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.
  1. Exclusion Period
    For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.