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Renter's insurance

  • New for old replacement where we agree to replace your contents@
  • Cover for fire and theft included
  • Cover for replacement of locks & cylinders
Terms and conditions apply.

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
 
Get a quote online in just a few minutes, and:
  • 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.

^^If spoilage of perishable food occurs as a result of a declared natural disaster, the maximum payable is $500.

 
Policy documents

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?

  • It’s simple

    Obtain a quote, purchase online and save up to 10%*^

  • Flexible payment options

    We provide the option to pay by the month at no extra cost#

  • We offer choice

    Choose from a range of products

  • Easy claims 

    Quick and easy claims service 24/7

Next steps

Over the phone – 24 hours a day, 7 days a week claims hotline

To submit a claim over the phone call 13 31 30, select claims and one of our friendly consultants will assist you.