A sum insured policy. An Allianz white label, identical cover to eight other policies we compared. We've scored this policy on cover only, because the insurer doesn't share its price data.
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Description
- Insurer
- Over Fifty
- Policy
- Contents (renters)
- Owner type
- Renters
- Provider
- Allianz Australia Insurance Limited
- About the insurer
Cover summary
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
-
- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
- Renters liability
- Covered
Cost
- Same price to pay monthly
- ACT price comparison
- N/A
- NSW price comparison
- N/A
- NT price comparison
- N/A
- North Queensland price comparison
- N/A
- South Queensland price comparison
- N/A
- SA price comparison
- N/A
- Tasmania price comparison
- N/A
- Victoria price comparison
- N/A
- WA price comparison
- N/A
Covered events
- Theft
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- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- Covers theft by tenants who rent a separate dwelling at the address
- Covers contents in a locked storage cage in the basement of a strata title development
- Up to $500 for security firm attendance fees
- No cover for theft by you or residents
- No cover for theft by people acting with your express or implied consent
- No cover for theft by people employed at the home
- No cover for theft by people you or a resident invite into home
- Does not cover contents in common areas of multiple occupancy residences
- Fire
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- Covers fire and bushfire
- Also covers damage caused by smoke
- Accidental damage option adds cover for scorching and/or melting
- No cover for scorching and/or melting not the direct result of fire
- No cover for damage arising gradually out of repeated exposure to fire or smoke
- No cover for items designed to be exposed to heat during normal use
- 72 hour waiting period for bushfire and grassfire
- Flood
-
- Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by shrinkage or expansion of earth
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- 72 hour waiting period
- Storm and cyclone
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- Covers damage caused by storm, cyclone, rainwater and run-off
- Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
- Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
- No cover for damage caused by hydrostatic pressure
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- 72 hour waiting period for cyclone
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers damage from vandalism and malicious acts
- No cover for damage by you or anyone lives at the address
- No cover for damage by any person you or a resident invite into home, any person acting with your consent or any person employed at the home
- No cover for contents in common areas of multiple occupancy residences
- Riot & civil unrest
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- Covers riot; civil commotion and public, industrial or political disturbance
- No cover for damage caused by terrorism
- Impact damage
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- Covers damage caused by falling trees or parts of trees
- Covers damage caused by motor vehicles, trains or watercraft
- Covers damage caused by external aerial or satellite dishes collapsing or breaking
- Covers damage caused by animals (except pets kept in the home)
- Covers damage caused by aircraft; space debris; anything dropped or falling from an aircraft; or debris from a rocket or satellite
- No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
- Animal damage
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- Covers impact damage caused by animals
- Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
- No cover for impact damage caused by domestic pets kept in building
- No cover for damage caused by birds or insects
- Escape of water and other liquids
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- Covers bursting, leaking, discharging and overflowing from: › fixed pipes, gutters and drainpipes › domestic home appliances, radiators, oil heaters, waterbeds and aquariums designed to hold more than 20L › sinks, baths and basins › fixed rainwater or hot water tanks › swimming pools and spas › water carrying apparatuses
- Accidental damage option covers damage caused by sinks, baths, basins overflowing due to tap being left running with plug in the drain
- No cover for damage caused by gradual escape of liquid over time which you could reasonably be expected to have been aware of
- No cover for water and other liquid damage from shower bases, recesses, alcoves; or walls surrounding shower
- No cover for defective parts that caused loss or damage
- Breakage
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- Covers: – windows – hanging wall mirrors – cooking surfaces – sinks and toilets – glass that forms part of your contents – fixed glass or ceramic items – fixed or unfixed tabletops – glass in televisions – glass in computer monitors, laptops, mobile phones, smart watches and tablets (if there is no other damage from the same event)
- No cover for cracks, scratches or chips
- Does not cover: – tiled shower bases – glass in items such as crockery, porcelain, china, hand mirrors, glassware or crystal – glass forming part of glasshouses, greenhouses or conservatories
- Accidental damage
-
- Optional
- Covers accidental loss and damage to your contents
- Covers damage caused by motor burnout; rainwater, hail, wind or water entering building through an open door, window or other opening; and sinks, baths or basins overflowing due to a tap left running or the plug being left in the drain
- Covers scorching and melting
- Covers accidental breakage of glass in televisions, computer monitors, laptops, mobile phones, smart watches and tablets
- Up to 90 days cover for contents anywhere in Australia
- No cover for damage caused by domestic animals or pets owned by you or for which you are legally responsible; or removal or weakening of, or interference with, support to land or buildings for the pupose of construction, alterations, extensions or repairs
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
-
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Cash settlement
-
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
- New for old contents replacement
- Covered (excludes mobile phones and tablets (may be replaced with refurbished model))
- Unoccupied homes
- You must inform insurer if home will be unoccupied for more than 60 days
Contents
- Cover for unlisted portable contents
-
- Covers some items for theft and accidental loss/damage
- Choose overall limit from $1000–$7500
- Choose limit from $500–$2000 per item
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Optional
- Optional cover for specially listed valuables
-
- Cover for theft and accidental loss/damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Contents in the open air
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- Up to $2000 overall
- Covers contents intended to be kept outside
- Temporary accommodation
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- Up to 12 months or 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation, mail forwarding, additional gas/electricity costs and rental bonds
- Covers additional rent above what you already pay
- Up to $500 for pet boarding
- Debris removal
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Exploratory costs
- Not covered
- Emergency storage
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- Up to 12 months
- Covers moving/storing undamaged contents
- Keys and locks after break-in
- Up to $1000 overall
- Motor burnout
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- Motors up to 10 years
- Optional
- Jewellery
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- Up to $7500 overall
- Up to $2500 per item, set or collection
- Artworks
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- Up to $7500 overall
- Up to $2500 per item, set or collection
- Collections (e.g. stamps, coins)
-
- Up to $7500 overall
- Up to $2500 per item, set or collection
- Digital media
- Up to $2000 overall
- Spoiled food
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- Up to replacement cost
- Covers perishable food and medicine in domestic refrigerator, freezer or deep freeze unit
- Covers spoilage caused by insured events, unit failure, escape of refrigerant fumes and accidental failure of public electricity supply
- Up to $500 if spoilage caused by natural disaster
- No cover for spoilage caused by industrial action, a deliberate act of a power supply authority, disconnection or switching off the electricity supply by you, failure of motor more than 10 years old, or accidental damage to motor
- No excess if caused by declared natural disaster
- Visitors' contents
- Up to $5000 overall
- Pet cover
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- Up to $500 overall
- Cover for road accident injury
- Permanent fixtures
- N/A
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
-
- Up to contents sum insured overall
- Included in optional accidental damage cover
