Content Insurance for renters

apartments and buildings on a cliff

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

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 Contents Insurance can help you protect your belongings from loss or damage caused by insured events such as fire, theft and storm.

Why choose Allianz Contents Insurance for renters through Aussie?

  • Save up to 10% on your first year’s premium when you purchase a new contents policy online 1, 4
  • You may qualify for up to 30% No Claim Bonus 3, 4
  • Option to increase your excess which may reduce your premium 5
  • Pay by the month at no extra cost 6

Features & Benefits of insuring with Allianz through Aussie

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 standard 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 Home Contents Key Fact Sheet (KFS) also sets out some information about the cover. 

Select the cover to suit your needs.

Effective 22 February 2021

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). 

Additional costs of alternative accommodation for 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 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.   

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 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 breakage cover for your 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.


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


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

Optional cover - 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.

Optional cover - Flood cover

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

Optional cover - Domestic workers’ 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.

Applying for cover online is fast and easy

Or speak with an insurance specialist on 1300 491 283


By proceeding to get a quote, you agree to receive the
Financial Services Guide (FSG) on this website. 

If you purchased an Allianz Home or Landlord Insurance before 18 November 2019, please refer to the relevant Product Disclosure Statements, any applicable supplementary PDS and the Key Fact Sheets (KFS).