Contents Insurance for Renters
Insure your belongings if you live in a rental property from loss or damage from insured events such as theft, fire7 and storm7.
Getting the right cover for your contents
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 and storm7
- 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 insurance 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 making a decision to purchase the insurance.
The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover.
Features and benefits
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.
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!
When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
No Claim Bonus
When you take out a new policy, we calculate your No Claim Bonus based on your Home or Landlord (as applicable) Insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must have had no Buildings or Contents Insurance claims in the preceding five 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. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents Cover, if selected.
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers’ Compensation / Landlord Workers’ Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
Option to change your excess
Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable Contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers Compensation, Flood or Portable Contents. Minimum premiums apply
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.
72 hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, 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.