Contents Insurance for Renters
Save up to 10% on your first year’s premium when you quote and buy a new contents policy online1, 4
Save up to 10% on your first year’s premium when you quote and buy a new contents policy online1, 4
Insure your belongings if you live in a rental property from loss or damage from insured events such as theft, fire7 and storm7.
Over Fifty’s Contents Insurance 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).
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, Over Fifty’s Contents Insurance 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. This benefit applies up to a maximum of 12 months.
Over Fifty’s Contents Insurance will cover 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.
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Over Fifty’s Contents insurance 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.
Over Fifty’s Contents Insurance 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.
Over Fifty’s Contents Insurance will cover you up to your contents sum insured for loss or damage caused by storm7, cyclone7, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bushfires a 72 hour exclusion period applies.
Cover for loss or damage by storm7, cyclone7, rainwater, runoff (provided runoff is not combined with floodwaters) and, if caused by and occurs within the first 72 hours following a storm, Over Fifty Insurance provides cover for loss or damage caused by soil movement, landslide, mudslide or subsidence.
Over Fifty’s Contents Insurance 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.
Over Fifty’s Contents Insurance 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.
Call our friendly and experienced customer care team (Monday to Friday 8:30am to 6pm AEST)
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings Key Fact Sheet is also available for reference.
The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.
Optional cover to insure your 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.
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
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.
Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.7
Contents insurance insures the belongings you have at the insured address: from your furniture, carpet and appliances and even your BBQ.
So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided this calculator. It works as a guide to help you estimate the replacement value of your home contents.
Make a claim 24/7 using our online claims form or call 13 10 13 to speak to a consultant.
What you need to get started
You’ll need the following details to start your claim. The Claims team will contact you to discuss next steps once your claim is received.