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Allianz Renter

Sum insured policy. Provided by Allianz. Available in ACT, NSW, Qld, SA, Tas, Vic & WA

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Cover score
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Customer satisfaction
55%

Description

Insurer
Allianz
Policy
Renter
Owner type
Renters
Provider
Allianz Australia Insurance Limited
About the insurer
Allianz

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
1

Cost

Same price to pay monthly
1
ACT price comparison
$
NSW price comparison
$
NT price comparison
N/A
North Queensland price comparison
$
South Queensland price comparison
$$
SA price comparison
$$
Tasmania price comparison
$$
Victoria price comparison
$
WA price comparison
$

Covered events

Theft
  • Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
  • Covers theft from locked basement storage cages
  • No cover for theft by residents
  • No cover for theft by people invited into the home or people acting with the insured's consent
  • No cover for theft by people employed at the home
  • No cover for theft from common areas
Fire
  • Covers fire, bushfire and grassfire
  • Also covers damage caused by smoke, ash and soot
  • Accidental damage option adds cover for scorching and melting
  • No cover for gradual exposure to fire or smoke
  • No cover for items designed to be exposed to heat
  • 72 hour waiting period for bushfire and grassfire
Flood
• Covers damage caused by flood, run-off and flood water combined with run-off or rainwateru003cbru003e• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of floodu003cbru003e• No cover for damage caused by shrinkage or expansion of earthu003cbru003e• No cover for cost of cleaning or cost of replacing water in tanks, swimming pools or spasu003cbru003e• No cover for cost of cleaning or cost of replacing mud in tanks, swimming pools or spasu003cbru003e• 72 hour waiting period
Storm and cyclone
• Covers damage caused by storm, cyclone and rainwateru003cbru003e• Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the stormu003cbru003e• Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other openingu003cbru003e• Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of stormu003cbru003e• 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 decorationsu003cbru003e• No cover for damage caused by hydrostatic pressureu003cbru003e• 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 awareu003cbru003e• No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeepingu003cbru003e• 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 awareu003cbru003e• No cover for cost of cleaning or cost of replacing water in tanks, swimming pools or spasu003cbru003e• No cover for cost of cleaning or cost of replacing mud in tanks, swimming pools or spasu003cbru003e• 72 hour waiting period for cyclone
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
• Covers damage caused by falling trees or parts of treesu003cbru003e• Covers damage caused by motor vehicles, trains or watercraftu003cbru003e• Covers damage caused by power polesu003cbru003e• Covers damage caused by satellite dishes; antennas; solar panels; rooftop hot water tanks; or items on a roof if it collapses or breaksu003cbru003e• Covers damage caused by animals (except pets kept at the home)u003cbru003e• Covers damage caused by aircraft; drones; falling objects; space debris; or anything dropped from an aircraft or droneu003cbru003e• No cover for damage caused by cutting or chopping trees, or parts of trees, at your addressu003cbru003e• Does not cover costs to remove trees or branches when there is no damage to buildings or contentsu003cbru003e• Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
Animal damage
• Covers impact damage caused by animalsu003cbru003e• Covers fire and water/liquid damage caused by vermin (including u0022native verminu0022 e.g. possums)u003cbru003e• No cover for damage caused by birds, insects or pets kept at the address
Escape of liquid
Breakage
Accidental damage
• Optionalu003cbru003e• Covers accidental loss and damage to your contentsu003cbru003e• Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drainu003cbru003e• Covers storm caused by rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)u003cbru003e• Covers scorching and meltingu003cbru003e• Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the itemu003cbru003e• Covers accidental breakage of glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornamentsu003cbru003e• Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air

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
Yes (excludes mobile phones and tablets (may be replaced with refurbished model))

Contents

Cover for unlisted portable contents
  • Covers some items for accidental loss or damage
  • Up to $5000 overall
  • Up to $1000 per item
  • Covered anywhere in Australia, and for up to 90 days in rest of the world
  • $100 excess
  • Optional
Optional cover for specially listed valuables
  • Cover for accidental loss or damage
  • Covered anywhere in Australia, and for up to 120 days in rest of the world
  • $100 excess
Contents in the open air
Up to 20% sum insured overall
Temporary accommodation
  • Up to 10% sum insured
  • Paid on top of sum insured
  • Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
  • Covers additional rent above what you already pay
Debris removal
Emergency storage
  • Up to remaining sum insured after claim settlement
  • Covers moving and storing undamaged contents
Keys and locks after break-in
Motor burnout
  • Motors up to 10 years
  • Optional
Jewellery
Up to $7500 per item, set or collection
Artworks
Up to $7500 per item, set or collection
Collections (e.g. stamps, coins)
Up to $7500 per item, set or collection
Digital media
Spoiled food
  • Up to $1000 overall
  • Cover for unit failure, escape of refrigerant fumes and failure of public electricity supply
  • No cover for industrial action, a deliberate act of a power supply authority, breakdown or failure of any motor more than 10 years old or accidental or deliberate disconnection or switching off the electricity supply by you
Visitors' contents
Up to $5000 overall
Pet cover
Permanent fixtures
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house

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