Protect your valuable belongings while you rent
Getting the right cover for your contents while you live in somebody else's property is easy with our renter's insurance. Over Fifty Insurance can help you protect your belongings from loss or damage caused by insured events such as fire, theft and storm including:
- Cover for your belongings from damage caused by fire, theft and storm
- Cover for landlord's fixtures and fittings for which you, the tenant, are legally responsible
- Cover against loss or damage caused by theft or storm for certain contents in the open air at your insured address
- Benefit from up to 10% online discount*^
- Get up to 30% No Claim Bonus+^
- Choose from three levels of cover
Features and Benefits
The table below is a summary only. Please refer to the Prestige Home Insurance, Classic Home Insurance or Vital Home Insurance Product Disclosure Statement (PDS) for more information.
| You are protected against loss or damage caused by | Over Fifty Insurance - Renter’s Insurance |
|---|---|
| Fire and Theft | |
| Storm, lightning, water from leaking pipes, earthquake and tsunami | |
| Flood | Optional- |
| Accidental breakage (of glass) | |
| Additional protection included in higher level cover | |
| Accidental loss or damage | Prestige |
| Standard benefits | |
| New for old replacement where we agree to replace your contents@ | |
| Legal liability cover |
Up to $10,000,000 - Vital Up to $20,000,000 - Classic Up to $20,000,000 - Prestige |
| Credit cards - cover for loss or theft |
Up to $2,500 - Vital Up to $5,000 - Classic Up to $5,000 - Prestige |
| Replacement of locks and cylinders |
Up to $1,000 - Vital and Classic Up to $2,000 - Prestige |
| Contents in the open air at your insured address | Up to 20% of contents sum insured with sub-limits for selected contents |
| Guests', visitors' and domestic helpers' property | Up to $5000 |
| Contents temporarily removed from your insured address | Up to 20% of contents sum insured with sub-limits for selected contents |
| Compensation for death | Up to $10,000 |
| Security firm attendance | Up to $500 |
| Title deeds | Up to $2,000 |
| Veterinary costs | Up to $500 |
| Automatic indexation of sum insured | |
| Additional benefits included in higher level covers | |
| Fusion of electric motors | Classic - (up to 10 years old)
Prestige - (up to 12 years old) |
| Spoilage of perishable food | Classic - (up to $500^^)
Prestige - (No specified limit^^) |
| Optional benefits | |
| Cover for portable contents items (Personal Effects) | Optional |
| Domestic workers compensation |
Optional Only available in the Australian Capital Territory, Western Australia and Tasmania. |
## Higher limit available in higher level covers.
^^Spoilage of food: Please note limit is up to contents sum insured. Sub limits of $500 apply if natural disaster.
Terms, conditions, limits, eligibility criteria and exclusions apply. For more information please refer to the Prestige Home Insurance, Classic Home Insurance or Vital Home Insurance Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Facts Sheets (KFS).
Why choose Over Fifty Insurance?
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It’s simple
Obtain a quote, purchase online and save up to 10%*^
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Flexible payment options
We provide the option to pay by the month at no extra cost#
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We offer choice
Choose from a range of products
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Claims service
24/7 claims service