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Renter’s Insurance

Special offer for Small Business First members

Log in to access this offer

Renter’s Insurance

Small Business First can refer you to Allianz for renter’s insurance, which may help you protect your belongings from loss or damage caused by a range of events such as theft, fire and storm.

You can choose from three levels of cover – Vital, Classic and Prestige.

Renter’s Insurance product comparison chart

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).

 
Vital Home Insurance
Classic Home Insurance
Prestige Home Insurance
Events Covered

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Accidental loss or  damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Standard benefits Expand
Cover for legal liability for injury to other people or damage to their property
Up to $10,000,000
Up to $20,000,000
Up to $20,000,000
Cover for fraudulent use of lost or stolen credit cards
Up to $2,500
Up to $5,000
Up to $5,000
Replacement of locks or cylinders
Up to $1,000
Up to $1,000
Up to $2,000
Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)
Yes
Yes
Yes
Contents in a safe deposit box at a bank (excludes cover for theft)
Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents.
Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents.
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents. Sub-limits apply for selected contents.
Guests', visitors' and domestic helpers' property
up to $5,000
up to $5,000
up to $5,000
Temporary removal of contents from your risk address
Up to 20% of contents sum insured with sub-limits for listed contents: while kept inside where you are temporarily residing; or anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents: while kept inside where you are temporarily residing; or anywhere else in Australia or NZ but excluding theft.
Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or up to $7,500 for contents anywhere else in Australia or NZ.
Compensation for death
$10,000
$10,000
$10,000
Security firm attendance
Up to $500
Up to $500
Up to $500
Compensation for Fracture (Limits apply depending on the bone(s) fractured – see PDS for details)
No
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Veterinary costs
Up to $500
Up to $500
Up to $500
Automatic indexation of sums insured
Yes
Yes
Yes
Fusion (burnout of household electric motors)
No
Motors up to 10 years old
Motors up to 12 years old
Spoilage of refrigerated / freezer food
No
Up to $500
Up to contents sum insured However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500.
Tax audit
No
Up to $5,000
Up to $5,000
Contents in transit to your new place of residence
No
No
yes
Legal defence costs
No
No
Up to $5,000
Optional benefits Expand
Personal effects cover
Optional
Optional
Optional
Domestic Workers’ Compensation
Optional
Optional
Optional

To review the Key Facts Sheets available for Home Contents cover, click here.

How to claim

Lodge a renter’s insurance claim online, any time

You can lodge a claim online 24 hours a day, 7 days a week. You’ll receive an immediate confirmation number for your reference and a friendly claims consultant will contact you as soon as possible.

Claim over the phone, 24/7

Call 1300 555 013 and a consultant will take you through the claims process.

Disclaimer

Small Business First Pty Ltd ABN 15 604 335 104 AR Number 1235256 refers you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) 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. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statements for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance. If you purchase this insurance, we will receive a commission that is a percentage of the premium. After an agreed premium threshold is met, we will also receive a 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 insurance policies referred by us to Allianz in the previous 12 month period. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. Ask us for more details before we provide you with services.

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