This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
Why choose Allianz Renter Insurance?
12 insured events, 1 simple policy
Whether it's a burglary, fire,1 flood,1 or storm,1 we're here to help you repair and replace.
No cancellation fees
We understand circumstances change, so you can cancel your insurance policy anytime with no cancellation fees.2
Pay monthly at no extra cost
We give you the flexibility to pay annually or monthly at no extra cost.3
Award-winning insurer
We’ve been commended by ANZIIF and Money Magazine as Insurer of The Year Finalist, with our Claims recognised by Insurance Business and Mansfield Awards.
What does Renter Insurance cover?
Our Renter Insurance covers the cost of repairing or replacing your belongings at your rented home. This includes your furniture, electrical appliances, clothes, linen, kitchen items and more.
Allianz Renter Insurance also covers fixtures, fittings and structures you’re legally responsible for under your lease agreement with your landlord – even if you don’t own them.
Below is a snapshot of some of our product features, benefits, and exclusions. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).
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What's covered
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What's not covered
What's covered
What's not covered
Renter’s contents insurance benefits
This is a summary only of some of the features and benefits available on Allianz Home Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions.
Upgrade your cover
Consider adding these optional extras to your policy for an additional premium and greater coverage.
Portable contents
Covers the cost of replacing your portable items if they’re stolen or damaged. Portable items include wallets, glasses, jewellery, cameras, and mobile phones.
Motor burnout
Covers electrical current damages to your home’s electrical motors, such as your fridge or freezer, if they’re under 10 years old.
Accidental damage
Covers you for accidental damage caused by sudden, unforeseen, and unintended events, not just the specified insured events.
Contents in commercial storage
Covers up to $50,000 in loss or damage to your general contents while they’re in a commercial storage facility. Certain limits apply.
Has your property or its contents been damaged? Making a claim with us is quick and simple. Find out what’s involved and what you’ll need to make a claim.
Renter Insurance calculator
When you take out Renter Insurance, it’s important that the amount you’re insured for accurately reflects the cost to replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured for less than the replacement value of your contents.
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Frequently asked questions
Allianz Renter Insurance provides contents cover for renters. It’s designed to help cover the cost of loss or damage to the contents at your rental home as a result of an insured event. Contents Insurance can provide cover for your furniture and appliances to electrical goods and your BBQ, and even clothes, shoes and handbags.
Renter Insurance covers the cost of repair or replacement of your contents when loss or damage is caused by events such as break-ins, fires (including bushfire1 and grassfire1), storms,1 impact damage such as a fallen tree, as well as accidental breakage of glass and more.
Yes, you’re covered for damage to parts of your rental property that you’re legally responsible for under your lease agreement – even if you don’t own them.
It’s a good idea to check your lease carefully and include the value of any fixtures, fittings or structures you’re responsible for in your general contents sum insured. This helps make sure you’re covered if something goes wrong.
The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy details document.
There are a number of factors that determine how your Allianz Renter Insurance premium is calculated, including:
- Your risk profile. We work this out using a number of factors, such as:
- Where you live
- The type of property you’re insuring
- The amount and type of cover you require
- Any other people also insured under the policy
- The relevant claims history of the people being insured
- The likelihood of a claim being made on your policy
- Any discounts that may apply
- Any compulsory government charges such as Stamp Duty and GST
- Emergency Services Levies if they apply to the State or Territory where your home is located
- Any other charges we tell you of
- The excess you choose7
To find out the cost of your Renter Insurance through Allianz, get a quick quote today!
Flood cover is included in Allianz Renter Insurance policies that start from 20 July 2025.1
If you’d like to find out whether your policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000
If you’re a renter or tenant, and you want to be covered for the cost of repairing or replacing your contents e.g. furniture, whitegoods, electrical appliances and clothing, then you may want to take out renters insurance. Our contents calculator is available to help estimate the value of your contents.
If you take out Contents Insurance, here’s how it can work if you suffer an insured loss:
- The house or apartment you live in burns down and destroys all your contents within it. With adequate sums insured under Renters contents cover, you could replace your insured contents.
- A thief enters your house or apartment and steals your contents. You can replace the items that were stolen under your Renter insurance.
- While rearranging your furniture, you accidentally drop your book shelf on your glass coffee table, and the glass breaks. Your Allianz Renter Insurance covers accidental breakage of glass that forms part of your contents in your home (other than those contents that are excluded such as televisions – see the PDS). If you take out optional accidental damage cover, we’ll repair or replace the whole coffee table including the glass.
Your contents can be covered while in storage if you add our optional Contents in commercial storage cover to your policy. This optional extra covers up to $50,000 in loss or damage by an insured event to your general contents while they’re stored in a commercial facility.
The commercial storage facility must be:
- fully enclosed with a lockable door
- only accessible by you or someone acting on your behalf
- located in Australia
Our Contents in commercial storage cover doesn’t include items like jewellery, watches, or mobile phones see PDS for full details.
We're here to help
Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.
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To see some of the events covered and not covered by our Renters Insurance, refer to our Key Fact Sheets (KFS).
*Conditions apply
- 72-hour exclusion period may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
- Cancellation
You may have to pay us any outstanding premium including any government taxes or duties.
- Pay by instalments
Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.
- Alternative accommodation
The amount we pay will be based on the weekly rent as stated in your lease or rental agreement prior to the damage. We will deduct your usual rental expenses from the amount we pay. The most we’ll pay for any one claim in total is up to 10% of your general contents sum insured. This is an extra amount, paid in addition to your sum insured.
- Disposal of damaged contents
Covers up to 10% of your general contents sum insured in addition to your sum insured.
- Storage of Undamaged Contents
We’ll pay up to the remaining balance of your general contents sum insured after we’ve paid any claim for your damaged contents.
- Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is available and selected). Any reduction in premium applies to contents and all optional covers except to optional Portable contents cover (if available and selected) and doesn't apply to government taxes and charges, or to the Legal liability component of the premium. Minimum premiums may apply.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.