Cover for your belongings at home and on the move
With our contents cover and optional benefits, we can help protect your precious things when mishaps occur, whether you’re working from home, living with a flatmate or moving to a new place.
Inclusions that make sense
Natural disaster damage
Your eligible contents are insured for loss or damage caused by storms, lightning, hail, fires, floods and water runoff.
Flatmates
Split the bills, and your insurance. Add flatmates to your policy to have their contents covered too.
Home office
Cover for eligible loss or damage to your home office equipment up to $20,000.
In transit
If your contents are lost or damaged by fire, flood or a road accident while in transit to your new home, know you’re insured.
Theft or vandalism
Cover for the cost of replacing eligible stolen or vandalised contents with brand new ones.
Water damage
If your contents are damaged by water (eg. due to liquid escaping from a washing machine), there’s cover to repair or replace them.
New for old
Cover for the cost of replacing eligible contents lost or damaged in an insured event with new ones.
Visitor contents
If you have friends and family staying over, we can also cover their belongings up to $500.
Counselling services
After an insured event, there’s cover for counselling services with a registered practitioner (up to 6 sessions, $1500 in total).
These are some of the highlights and benefits of our cover for renters. Limits, conditions and exclusions apply. Please refer to the PDS for more information.
Advanced cover and extras for when you can’t go without
Accidental damage
Cover for damage or loss to your eligible contents due to an accidental event at home.
Mobile phones
Keep connected with cover for lost or damaged mobile phones up to the agreed sum insured.
Individual items
Extra protection for your most valuable items that goes beyond your included contents cover.
Small business
Cover for eligible lost or damaged equipment or stock used to run your small business up to $20,000.
Away from home
Cover for your eligible contents when you’re on the move anywhere in Australia and New Zealand.
Motor burnout
Repair or replacement for the burnout of electric motors in appliances up to 10 years old.
This is a summary of our optional benefits for renters. Limits, conditions and exclusions apply. Please refer to the PDS for more information.
Frequently asked questions
Renters insurance can cover the contents within a home, including your eligible valuable belongings following an insured event. This includes cover for loss or damage from severe weather events such as cyclones, floods, storms and bushfires. Renters insurance can also help protect against things like theft, malicious damage and legal liability.
Renters insurance covers your contents against loss or damage as a result of an insured event. For a full list of the insured events we cover, please refer to our Product Disclosure Statement .
Another way of thinking about this is to consider the cost of replacing all of your items, rather than just their current value. In the event of a claim, and if you need to replace all your items, you may not have the money available to do so. This is why some customers choose to have contents insurance.
We offer smart insurance for renters that aims to be as flexible as your living situation. Working from home, living with a flatmate, moving house, it’s all good. With our cover and optional benefits, we can help protect your contents from events like storms, theft, and accidents – even when you take eligible items out on the town (see optional benefits for items insured away from home).
We aren’t able to provide you with advice on the replacement costs of your contents or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to provide an estimate.
It’s your responsibility to ensure that your contents sum insured is right for you and your needs. Your contents sum insured should include items such as fixtures and fittings (e.g. carpet, blinds, curtains) that you own. Items of value that you want to list on your Certificate of Insurance – such as jewellery, media or artworks – should also be included in the overall sum insured.
You can use a contents calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the estimate provided by us during your quote.
