Contents Insurance for renters

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

Features

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 fire, theft and storm. 

  • Cover for your belongings from damage caused by fire, 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.
  • Save up to 10% on your first year’s premium when you purchase a new contents policy online1,4
  • Get up to 30% No Claim Bonus discount on your premium 3, 4
  • Option to increase your excess which may reduce your premium5
  • Pay by the month at no extra cost6
Features and Benefits

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  contents insurance policy. For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the applicable Key Fact Sheets (KFS) before making a decision to purchase the insurance. Select the cover to suit your needs.

Effective 16 December 2019.

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 up to the amount specified in the PDS for you to replace it. 

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. 

Guest, visitor and domestic helper property

Allianz will 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.

Optional Covers

Add any of these optional covers for an additional premium and greater cover.

Optional cover Description
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 contents. 
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. 
Motor burnout The Motor burnout option covers you if an electrical current damages your household electrical motors.
Flood cover Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.
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.
Policy Documents and Key Fact Sheets

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 Heritage Bank Financial Services Guide, the relevant Home Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Contents Key Fact Sheet (KFS).

If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Product Disclosure Statements, any applicable supplementary PDS and the Buildings or Contents Key Fact Sheets.

Home Contents Calculator

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 - so you should also be careful not to over insure. That's why we've provided the calculator. It works as a guide to help you estimate the replacement value of your home contents. 
FAQ's

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.
Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 13 14 22 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Contents Key Fact Sheets. 

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events. 

If you have contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

 
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed portable contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Heritage Bank on 13 14 22). If you’re not sure whether you have added these cover options, you can check your policy schedule.
We will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.