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, 3
  • Get up to 30% No Claim Bonus discount on your premium 2, 3
  • Option to increase your excess which may reduce your premium 4
  • Pay by the month at no extra cost 5

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.

Effective 18 November 2019

Cover when you’re moving house

Allianz will cover for your contents against 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 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 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

Allianz will cover for 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.

Cover for storm damage

Rest easy, within the first 72 hours following a storm, Allianz has 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

Cover 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.


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


Accidental damage

Optional cover designed to help protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.

Portable contents

You can choose 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.

Motor burnout

Optional cover in the event an electrical current damages your household electrical motors.

Flood cover

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

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).

 

Disclaimers

AHL Investments Pty Ltd ABN 27 105 265 861 (Aussie) Australian Credit Licence 246786 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 (Allianz Home and Contents Insurance Product Disclosure Statement or Allianz Landlord Insurance Product Disclosure Statement). 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 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.

2 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.

3 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.

4 Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

5 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.