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Renter’s Insurance

Special offer via Small Business First

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
  Get quote Get quote Get quote
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      

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 Show
     

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

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.

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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