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BSB 650 000

Contents Insurance for renters

Insure your belongings if you live in a rental property for loss or damage from insured events such as theft, fire#,storm# and flood#.

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  • percent icon You may qualify for up to 30% No Claim Bonus.~@&
  • open banking icon Option to increase
    your excess     which may reduce your premium.*
  • calendar icon Pay by the month at no extra cost.<
  • open banking icon Save up to 10% Up to 10% Discount on your first year's premium when you quote and buy a new policy online.~~@&

Getting the right cover for your contents while you live in somebody else's property is easy with Allianz 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 fire# or storm#? Or in the event of theft or burglary? Allianz Contents Insurance can help you insure 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, storm#, and flood#. 
  • Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

  • Features and benefits

    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), and 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.

     

    Allianz 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).

    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, Allianz will pay the additional costs for temporary accommodation based on your building's rentable value prior to the damage, up to 10%of your contents sum insured and up to $500 for temporary accommodation for your pets in commercial boarding establishment. This benefit applies up to a maximum of 12 months.

    In addition to your contents sum insured, Allianz will pay up to 10% of your contents sum insured for the removal of debris from your home buildings if your contents are damaged or destroyed by an insured event.

    If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz 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.

    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.

    Allianz 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.

    Allianz 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.

    If your home buildings are damaged by an insured event and is unable to be lived in, Allianz 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.

    Allianz offers cover for out of the ordinary but devastating events such as fire# including bushfire# and grassfire#, earthquake# and burglary.

    Covers loss or damage caused by storm, cyclone#, or rainwater but this does not include run-off.

  • Optional covers

    Optional covers

    Apply to add any of these optional covers for an additional premium and greater cover.

     

    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.

    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

    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.

    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.

  • Calculators

    Home contents calculators

    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 the calculator. It works as guides to help you estimate the replacement value of your home contents.

Key Information:
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 relevant Home or Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings, Home Contents, Landlord Building or Landlord Contents Key Fact Sheet also available for reference.

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Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd, arranges this insurance  as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz), acting under our own AFSL. Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), for the insurer Allianz. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available on this website, by calling 13 19 87 or from any branch. The relevant Target Market Determination is available by calling 1300 493 824. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details or see our Financial Services Guide before we provide you with services.
~No Claims 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.  
[Home:] 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).  
[Landlord:] The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).
~~Save up to 10%: [Home] 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 apply. [Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply. [Motor] The online discount applies when you quote and buy a new Comprehensive Motor Insurance policy online only. Any online discounts offered are applied to Allianz’s standard rates, excluding optional covers, and are for the first year’s premium only, unless otherwise stated. Promotional or other discounts may apply from time to time for customers who apply for insurance using other methods.
@To access your Premium Plus Package insurance discount please visit us at your local branch or alternatively call us on 13 19 87. This discount is not available online.
&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.
#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.
*Not available when an additional compulsory excess or imposed excess applies. 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.
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Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
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General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
 
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We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past and present. 

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwell