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Renters Insurance

Cover for your prized possessions that make a house your home

The information on this page is for policies starting before 14 January 2025.

For Allianz Home Insurance policies starting from 14 January, flood cover will be included as standard and is no longer optional. For more details, see the relevant Product Disclosure Statement (PDS). 

Why choose Allianz contents insurance for renters?

11 insured events, 1 simple policy

Whether it's a burglary, fire1, or storm1, we're here to help you repair, replace or rebuild.

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.
SEE OUR AWARDS
Australian Insurance Industry Awards Finalist 2022 and Insurance Business Awards Winner 2022
Insurance Business Awards Winner 2021 and The Mansfield Awards 2021

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).

What's covered

What's covered

  • Theft or burglary
  • Fire or smoke (including bushfires1 and grassfires1)
  • Storm and cyclone1, rainwater or run-off
  • Lightning
  • Water or other liquid damage
  • Impact damage
  • Earthquake or tsunami
  • Accidental breakage of glass or ceramic items
  • Vandalism or malicious damage
  • Explosion
  • Riot or civil commotion
What's not covered

What's not covered

  • Wear and tear or existing defects
  • Certain items with cracked glass or screens as the sole damage
  • Certain items while in use (e.g. sports equipment, bikes)
  • Damage from pets, insects, birds, or vermin
  • Flooding unless you have optional Flood cover1

Renter’s contents insurance benefits

A smiling woman seated in a living room setting reading a book and holding a hot beverage in one hand
  • Legal liability cover
  • We’ll pay up to $20 million if you’re found liable to pay compensation to someone because you’ve accidentally injured them or damaged their property.
  • Repair or replacement
  • We’ll pay the reasonable cost of repairing or replacing your contents due to loss or damage by an insured event.
  • Alternative accommodation for you and your pets
  • We’ll pay temporary accommodation costs and pet boarding if your home contents are damaged by an insured event and you can’t live there.⁴
  • Debris removal
  • We’ll help with the costs of removing debris from your home if an insured event damages or destroys your contents.⁵
  • Emergency contents storage
  • We’ll pay the reasonable costs to move and store your undamaged contents for up to 12 months if your home is damaged by an insured event and you can’t stay there.⁶
  • Moving house cover
  • We'll cover your contents both at your new and old Australian address for up to 14 days after you first start to move. We won’t cover your contents while they’re in transit.

Legal liability can cover you if someone accidentally trips on your belongings and gets injured.

If a thief breaks into your home and steals your belongings, you can replace the items that were stolen.

This can cover you if lightning severely damages a room in your house and the debris must be removed before items can be replaced or repaired.

If a storm damages your home and you can’t live there, your contents will be moved and stored in a safe location.

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.
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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

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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.
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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.

learn more

Flood

Covers you for loss or damage to your contents caused by flood and certain flood-related events.1 Optional Flood cover may not be available in some areas.

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.
LEARN MORE

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.

Home Contents replacement calculator

VALUE 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!

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.

Your contents can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility.1

To find out if you’re eligible for Flood cover, get a quote online or call us on 13 1000.

If you currently hold a policy and would like to find out whether your Renters Insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.

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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

  1. 72-hour exclusion period may apply

    We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires, and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS.

  2. Cancellation

    You may have to pay us any outstanding premium including any government taxes or duties.

  3. 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.

  4. Alternative accommodation

    Covers additional costs for temporary accommodation based on your buildings rentable value prior to damage. Up to 10% of contents sum insured, up to a maximum of 12 months and up to $500, as a one-off payment, for commercial pet boarding. This is an extra benefit we pay in addition to your contents sum insured. No excess applies to this benefit.

  5. Debris removal

    Covers up to 10% of your contents sum insured. This is an extra benefit we pay in addition to your contents sum insured. No excess applies to this benefit.

  6. 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.

  7. Portable Contents

    Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.

  8. Option to change your excess

    Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers Compensation, Flood or Portable contents. Minimum premiums 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.