The information on this page is for policies starting from 14 January 2025.
For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS).
Why choose Allianz contents insurance for renters?
12 insured events, 1 simple policy
Whether it's a burglary, fire1, or storm1, we're here to help you repair, replace or rebuild.
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No cancellation fees2
We understand circumstances change, so you can cancel your insurance policy anytime with no cancellation fees.
Pay monthly at no extra cost3
We give you the flexibility to pay annually or monthly at no extra cost.
Award-winning insurance
From Insurer of the Year to Excellence in Claims, we’re proud to have won numerous industry awards over the years.
What does renter's contents insurance cover?
Our Contents 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.
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.7
Accidental Damage
Covers you for accidental damage caused by sudden, unforeseen, and unintended events, not just the specified insured events. This option automatically includes Motor Burnout cover.
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.
Domestic Workers' Compensation
Covers people you employ at your insured address to help you around the house, such as a cleaner, gardener, or nanny. Only available in TAS, WA, and ACT.
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.
Contents Insurance calculator
When you take out Contents 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 Home Contents 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.
Contents 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), storms1, impact damage such as a fallen tree, as well as accidental breakage of glass and more.
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 schedule.
There are a number of factors that determine how your Allianz Home Contents 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 choose8
To find out the cost of your Renter’s contents insurance through Allianz, get a quick quote today!
Flood cover is included in Allianz Renters Insurance policies that start from 14 January 2025.1
For Allianz Renters Insurance policies starting before 14 January, flood cover was optional.
If you’re a renewing customer, you may be able to continue without flood cover if:
- you previously opted out and met certain flood risk criteria
- we weren’t able to offer you flood cover
- we've agreed you can opt-out of flood cover as standard
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.
Yes, we can offer insurance for up to three unrelated people living in the home. Our Renter's contents insurance will cover contents for up to three housemates, as long as they’re named on the policy as an insured policy holder.
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 Renter's contents 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 Renter's 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 Contents insurance.
- While rearranging your furniture, you accidentally drop your book shelf on your glass coffee table, and the glass breaks. Your Allianz Contents 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.
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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
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.
- Alternative accommodation
We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
- Debris removal
Covers up to 10% of your Buildings or Contents sum insured. You're covered for building debris removal if you have Buildings cover and for contents debris removal if you have Contents cover.
- Emergency contents storage
We’ll pay up to the remaining balance of your contents sum insured for a maximum of 12 months. That’s after we’ve paid any claim for your damaged contents.
- Portable Contents
Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.
- 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 selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). 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.