The information on this page is for policies starting from 14 January 2025. For customers who started a policy before this date, view the relevantProduct Disclosure Statement (PDS).
The information on this page is for policies starting from 14 January 2025. For customers who started a policy before this date, view the relevantProduct Disclosure Statement (PDS).
Save up to 10% on your first year’s premium when you quote and buy a new Home Insurance policy online1, 2
Why choose Allianz Contents Insurance?
Up to 30% No Claim Bonus2,3
With Allianz Home Insurance, you could get up to 30% No Claim Bonus2,3 depending on your claims history.
Pay monthly at no extra cost4
When you buy or renew, you have the flexibility to pay annually or monthly at no extra cost.
Instant Certificate of Currency
Your proof of insurance – Certificate of Currency (COC) – will be emailed instantly after you purchase your policy.
24/7 claims service
You can make a claim online or call 1300 555 030 for claims service 24 hours, 7 days a week.
Has your property or its contents been damaged? Making a claim with Allianz is quick and simple. Find out what’s involved and what you’ll need to make a claim.
What Allianz Contents Insurance for renters covers
Find out what is and isn’t covered under Allianz Contents Insurance for renters, as well as some optional covers you can buy.
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What’s covered
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What’s not covered
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Optional cover
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.
Events Allianz Contents Insurance for renters covers
Covers the cost of repairing or replacing your contents if you’ve experienced loss or damage caused by the following events.^
- Fire or smoke (including bushfires6 and grassfires6)
- Theft or burglary
- Storm, cyclone6, or rainwater
- Flood and/or run-off6
- Lightning
- Water or other liquid damage
- Impact damage
- Earthquake or tsunami
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Explosion
- Riots or civil commotion
^For a full list of events covered by Allianz Contents Insurance for renters, see the relevant PDS.
Contents Insurance calculator
When you take out Contents Insurance, it’s important 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.
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Frequently asked questions
Contents Insurance for renters provides contents insurance 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 for renters can provide cover for your contents, from your furniture and appliances to electrical goods and your BBQ, and even clothes, shoes and handbags. Limits apply. For full details, see the relevant PDS.
Contents Insurance for renters covers the cost of repair or replacement of your contents when loss or damage is caused by events such as break-ins, fires (including bushfire6 and grassfire6), flood6, storms6, impact damage such as a fallen tree, as well as accidental breakage of glass and more. Limits apply. For full details, see the relevant PDS.
Contents Insurance for renters covers the cost of repair or replacement of your contents when loss or damage is caused by events such as break-ins, fires (including bushfire6 and grassfire6), flood6, storms6, impact damage such as a fallen tree, as well as accidental breakage of glass and more. Limits apply. For full details, see the relevant PDS.
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 Contents Insurance premium is calculated, including:
- Your risk profile. Allianz will 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 Allianz tells you about
- The excess you choose7
To find out the cost of your Renters Contents Insurance through Allianz, get a quick quote in minutes.
Yes, Allianz can offer insurance for up to three unrelated people living in the home. Allianz Contents Insurance for renters will cover contents for up to three housemates, as long as they’re named on the policy as insured policyholders.
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 Renters Contents Insurance. The Home Contents replacement calculator is available to help estimate the value of your contents.
If you take out Allianz 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 Renters 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 bookshelf 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 relevant PDS). If you take out optional Accidental Damage cover, Allianz will repair or replace the whole coffee table including the glass.
Flood cover is included in Renters Insurance policies that start from 14 January 2025.6
For Home Insurance policies starting before 14 January, flood cover was optional.
If you’re a renewing customer, you may be able to continue without flood cover if:
- you previously opted out and met certain flood risk criteria
- we weren’t able to offer you flood cover
- we've agreed you can opt-out of flood cover as standard
To see some of the events covered and not covered by Allianz Contents Insurance for renters, refer to the Key Fact Sheets (KFS).
*Conditions apply
- Online discount
Home: When you both quote and buy a new Home Insurance policy online, a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply. - Landlord: When you both quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
- Minimum premiums may apply
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Most discounts won’t apply below the minimum amount payable for the policy.
- Up to 30% No Claim Bonus
When you take out a new policy, Allianz will calculate your No Claim Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, Home Insurance customers must have had no Building or Contents Insurance claims in the preceding 5 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. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected). - Pay by instalments
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. - Portable Contents
Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.
- 72-hour exclusion period may apply
Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply. - Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable Contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable Contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.