Renter’s Insurance

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Renter’s Insurance

As a tenant in a rental property, it's sometimes hard to know what you need to cover and what you don't.

Getting appropriate cover for your contents doesn't have to be difficult. 1300 Insurance can refer you to Allianz for renter’s insurance. It’s easy to protect your belongings from loss or damage due to events like theft, fire and storm.

Renter’s Insurance in brief*

We understand that your possessions are precious, so we have partnered with Allianz who can provide cover for many of the possessions that you keep at your home. Protect your furniture and appliances, your clothes and personal belongings, and other special touches, like pictures and soft furnishings, that make your house a home. Your outdoor possessions like garden furniture, tools and barbeques can be covered too, up to the policy limit.*

Renter’s insurance can protect your personal possessions from earthquakes, storms, lightning strikes, fires, explosions, theft or malicious acts, and may even cover damage to your contents caused by leaks, or by something falling on your home like a tree or aerial.

For even greater peace of mind, Prestige Home Insurance protects against accidental loss or damage to your contents, unless specifically excluded. Make sure you check the PDS for the standard terms, conditions, limits and exclusions of cover.

All Renter’s insurance covers that we offer are packed with great benefits, including:

  • Cover for use of lost or stolen credit cards
  • Replacement of locks or cylinders
  • Up to $5,000 cover for possessions belonging to your guests or visitors
  • Cover for your legal liability if someone else not living with you is injured at your home

Make sure you check the PDS which sets out the standard terms, conditions, limits and exclusions of cover.

With 1300 Insurance you can spread the cost of your renter’s insurance by paying monthly without paying extra. Whether you opt for annual or monthly instalments for your insurance, you’ll pay the same total premium to protect your precious belongings.1

Not had to claim on your home or contents insurance during the past five years? You could reduce the cost of your renter’s insurance policy with a No Claim Bonus of up to 30%. And you could still qualify for a reduced No Claim Bonus even if you’ve made up to two claims in that period.2,3

*For the standard terms, conditions, limits and exclusions of cover, please refer to the relevant PDS.


Even if you don’t own your home, the possessions you keep inside it are still treasured and valuable. If your home was burgled or destroyed in a fire you could lose everything you own – from your furniture and appliances right down to your clothes and toiletries.

The building may be covered by your landlord’s insurance – but unless you have insurance cover of your own, you could end up having to pay to replace all your precious belongings. Renter’s insurance is there to give you peace of mind, by helping you to protect the possessions you’ve worked so hard for.

Policy Benefits

Renter’s insurance can cover your furniture, decorations and belongings against a range of events. Where our partner Allianz agrees to replace your stolen or damaged possessions, they will replace them on a new-for-old basis. You can even get cover for items you keep in a safety deposit box at a bank (excluding theft)*. The PDS sets out the standard terms, conditions, limits and exclusions of cover.

Through 1300 Insurance you can choose from cover for specified insured events, or more comprehensive accidental loss or damage cover for your possessions (unless specifically excluded). All Renter’s insurance cover that Allianz offers include great benefits, including up to $500 cover for veterinary costs if your dog or cat is injured in a road accident, and cover for use of lost or stolen credit cards up to the policy limit. Check the PDS which sets out the standard terms, conditions, limits and exclusions of cover.

Renter’s insurance can protect you against your legal liability for injury to other people or damage to their property. You’ll find the standard terms, conditions, limits and exclusions of cover in the PDS.

Choose your level of cover

We know that different customers have different needs, so Allianz offers a choice of three levels of cover for customers to choose from, all packed with great benefits.

This is a summary only. Please refer to the relevant Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover.

Vital Home Insurance can offer protection if someone breaks into your home and steals your items, or if your possessions are damaged by a disaster such as storm, fire or earthquake.

Classic Home Insurance includes everything from Vital Home Insurance, plus some higher policy limits and extra features including cover for fusion (motor burnout) of household electric motors. It also offers twice the limits of legal liability compared to Vital Home Insurance.

This premium product provides cover for accidental loss or damage to your possessions (check the PDS for exclusions). It also offers twice the limit of legal liability compared to Vital Home Insurance.

For a summary of the covers available under the home insurance products on offer – click here.

For a handy overview of the home and/or contents cover we offer, click here to review the Key Facts Sheets for these products.

How to apply for cover

It’s quick and easy to apply for renter’s insurance. Simply call on 1300 467 872 or click here to get an online quote.

Need to claim?

If something does happen to your home, you need an insurance company who will act fast to help you get your home back in shape. That’s why we’ve partnered with Allianz, which has a quick and efficient claims process. Click here for information on how to claim.

Get a quote Phone us on 1300 467 872

Policy Exclusions

Renter’s insurance transfers many of the risks tenants face from you to the insurer. However, it is important to understand that renter’s insurance does not cover every circumstance or expense that you may incur. Some types of cover, such as cover for flood, are optional and subject to eligibility and require the payment of an additional premium. For the standard terms, conditions, limits and exclusions of cover, please see the relevant Product Disclosure Statement.


1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, such as flood (where applicable).

3 To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

Renter’s Insurance FAQs

There are three ways to apply for renter’s insurance through 1300 Insurance. If you meet the eligibility criteria, you could buy your renter’s insurance in the following ways:

  1. Get a quote and then buy securely online 24 hours a day, 7 days a week
  2. Complete a quote online then simply call 1300 467 872 to complete the purchase of your policy. Make sure you have the quote reference number handy when you call.
  3. Call a friendly, helpful consultant on 1300 467 872 to get a quote and buy your insurance over the phone.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

If you meet the eligibility criteria, you may be able to get your renter’s insurance in place within minutes with a short online session or one quick phone call.

Simply call the claims line on 1300 467 872 and a friendly, professional staff consultant will guide you through the quick, easy claims process. Alternatively, you can submit an online claim form – find out more here.

Most renter’s insurance claims can be processed over the phone. In some more complicated cases we may have to arrange for an assessor to visit your home to inspect the damage, and help you to coordinate repairs and replacements. Either way, your claim will be dealt with quickly and with the minimum fuss.

If you choose Classic or Prestige Home Contents Insurance there are also a number of options for you to choose from, which will change the premium you pay. These include cover for flood (which is subject to eligibility) and cover for portable contents that you carry with you away from home.

There will be a number of differences between the contents insurance policies offered by different companies. Make sure that you read the Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover before you buy any insurance, so that you know exactly what is and isn’t covered.

Some great benefits of the renter’s insurance we offer include:

  1. A choice of optional extras, so you can tailor the policy to your needs
  2. A variable excess feature (allowing you to increase your excess to save money on your premiums1)
  3. The option to pay your premiums monthly, at no extra cost (premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply)
  4. A quick and simple paperless application process

Renter’s insurance premiums are calculated on the basis of the risk you present to the insurer.

Risk is affected by a number of factors, such as:

  • the location of your home
  • the value of your possessions
  • the security devices that are installed to protect your home
  • the frequency of claims made by you or by previous occupiers of your home

Your premium will also depend on the amount you wish to insure, the level of cover you choose and any optional extras you add to your policy.

Before you buy insurance, you have a legal duty of disclosure to tell your insurer anything you know and that a reasonable person in the circumstances would include in their answer to any questions asked that are relevant to the insurer’s decision to insure you and on what terms. The duty applies until your insurer agrees to insure you. If you don’t comply, your insurer may cancel your contract, reduce the amount it pays for a claim, or both. If your failure is fraudulent, your insurer can refuse a claim and treat the contract as if it never existed.

The renter’s insurance products we offer are underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL No 234708 (Allianz).

Allianz is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

Allianz is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where applicable).

Have a question that you'd like us to answer?

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to refer you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to provide written general advice on these insurances as the insurer’s agent. 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 here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.