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Contents insurance for renters

Protect your belongings while you rent

Getting the right cover for your contents while you live in somebody else’s property is easy with Allianz Contents Insurance for renters through Hume Bank.

If you are renting, have you considered how much it would cost to replace all the contents in your home if they were destroyed by fire or storm? Or in the event of theft or burglary? Allianz can help you protect your belongings from loss or damage caused by insured events such as fire6, theft and storm.

  • Cover for your belongings from damage caused by fire6, theft and storm
  • Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

Contents insurance for renters

Save up to 30%2,3

on your premium with our No Claims Bonus

Your insurance options

If you’re living in the home you own, or renting out your property to others, this won’t be the product for you. Instead, check out our other insurance options.

Home owners insuranceLandlords insurance

Why insure your contents with us?

Protect your belongings if you live in a rental property from loss or damage from insured events such as theft, fire6 and storm.

Online discount

Save up to 10% on your first year’s premium when you quote and buy online1,3.

Monthly payments

Pay by the month at no extra cost5.

No Claims Bonus

You may qualify for up to 30% off your premiums with the No Claim Bonus2,3.

Flexible excess

Option to increase your excess which may reduce your premium4.

How you’ll be covered

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a landlord insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), and any applicable supplementary PDS before making a decision to purchase this insurance.

The Home Contents Key Fact Sheets (KFS) also sets out some information about the cover. Select the cover to suit your needs. Effective 22 February 2021.

Contents coverage

Type Details
Cover when you’re moving house Allianz 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).
Alternative accommodation for you and your pets 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, Allianz will pay 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.
Debris removal Allianz will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Food or medicine spoilage If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz 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.
Guest, visitor and domestic helper property Allianz 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.
Cover for events Allianz will cover you up to your contents sum insured for loss or damage caused by storm, cyclone, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.
Cover for storm damage Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
Legal liability Allianz 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.
Accidental breakage cover for your rental property Allianz 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.

Optional coverage

Apply to add any of these optional covers for an additional premium and greater cover.

Type Details
Optional cover – Accidental damage The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Optional cover – Portable contents You can choose optional cover to protect your portable 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.
Optional cover – Motor burnout 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.
Optional cover – Flood cover Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.
Optional cover – Domestic workers’ compensation 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.

Contents replacement calculator

Value my contents

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.

What you should know

Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.

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.

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 Contents Key Fact Sheet also available for reference.

PDS: Renters’ contents insurance

KFS: Renters’ contents insurance

Get the ball rolling

Whether you’re starting your journey or making a claim, it’s easy to get in touch with the team at Allianz for all your home insurance needs.

Get a quote

Start the process online by getting a quick and easy quote.

Get a quote

Check a quote

Get things moving again with easy access to your quote online, anytime.

Check a quote

Make a claim

Once you’ve got cover, making a claim online is simple.

Make a claim

Frequently asked questions

  • What do I do if I need to make a renters contents insurance claim?

  • Am I covered for flood?

  • What does it mean if I take the Accidental Damage cover option?

  • I am moving, do I need to have two insurance policies to cover me at both locations?

  • Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

  • What is considered ‘unable to be lived in’?

  • How do I know if I have optional covers on my policy?

Find your home with us

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Things you should know

Hume Bank ABN 85 051 868 556. AFSL/Australian Credit Licence No. 244248 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from humebank.com.au or by calling 1300 004 863. The relevant Target Market Determination is available by calling 1300 004 863. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services

1 Online discount – When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2 NCB – When you take out a new policy, we calculate your No Claims Bonus based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

3 Minimum premiums – If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced.For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

4 Option to change your excess – Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

5 Instalment premiums – 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.

6 72 hour waiting period – We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.