Contents Insurance for Renters

Insure your belongings if you live in a rental property from loss or damage for insured events such as theft, fire7 , storm7 and flood7.
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Getting the right cover for your contents while you live in somebody else’s property is easy with Ian Berry Contents Insurance for Renters.

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 fire7 or storm7? Or in the event of theft or burglary? Ian Berry Contents Insurance for Renters can help you insure your belongings from loss or damage caused by insured events such as fire7, theft and storm7.

  • Cover for your belongings from damage caused by fire7, theft, storm7 and flood7
  • 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 quote and buy a new contents policy online1,4

You may qualify for up to 30% No Claim Bonus3,4

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 standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before deciding to purchase the insurance. The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover.

Features and benefits

Contents Insurance for Renters
Cover when you’re moving - Ian Berry Contents Insurance for Renters 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, Ian Berry Contents Insurance for Renters will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Debris removal - In addition to your contents sum insured, Ian Berry Contents Insurance for Renters 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.
Emergency contents storage - If your home buildings are damaged by an insured event and is unable to be lived in, Ian Berry Contents Insurance for Renters will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months and the remaining balance of your contents sum insured after payment of claim.
Food or medicine spoilage - If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Ian Berry Contents Insurance for Renters will pay for you to replace it. If you claim for this benefit, an 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 - Ian Berry Contents Insurance for Renters 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.
Cover for the unexpected - Ian Berry Contents Insurance for Renters offers cover for out of the ordinary but devastating events such as fire7 including bushfire7 and grassfire7, earthquake8 and burglary.
Cover for storm damage - Covers loss or damage caused by storm, cyclone7 or rainwater but this does not include run-off.
Legal liability - Ian Berry Contents Insurance for Renters 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 - Ian Berry Contents Insurance for Renters 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 Covers

Apply to add any of the optional covers in the table below for an additional premium and greater cover.

 Contents Insurance for Renters
Optional Cover – Accidental Damage - the Accidental Damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents. 
Optional Cover – Portable contents - Optional cover to insure 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 that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover. 
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. 
Get a Quick Quote

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  (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.

Value My Contents Calculator

Value my contents

Next steps

Get a Quick Quote
Make a Claim
Retrieve a Quote

Policy Document and Key Fact Sheets

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 Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents Key Fact Sheet also available for reference.

Get in touch

To experience our local customer service where you speak to a real South Australian insurance expert every time, please get in contact with us!

Talk to an insurance expert

Contact 1300 292 100 and speak to a real person!

Visit an insurance expert

You can find us at your local Police Credit Union branch.

Looking for a quick quote?

Fill in our online form or call 1300 292 100.

Need to make a claim?

Visit our claims page for more information.

Request a call back

Fill out the form below and a member of our service team will contact you at a time that’s convenient for you.

  1. Online discount

    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 may apply.

  2. No Claim Bonus

    When you take out a new policy, we calculate your No Claims 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).

  3. Minimum premiums

    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.

  4. 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

  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 exclusion period

    We 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.

  7. Earthquake Excess

    An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.