A sum insured policy with a 25% underinsurance safety net. Accidental damage cover is optional.
CHOICE Expert Rating
Pros
The product's best features and benefits
Cons
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Recommended products
Results for paid members only
- Recommended
- Members only
Scores
Results for paid members only
- CHOICE Expert Rating
- Members only
- Cover score
- Members only
- Price score
- Members only
- Customer satisfaction
- Members only
Description
- Insurer
- CBA
- Policy
- Contents Cover Plus (renters)
- Owner type
- Renters
- Provider
- Hollard Insurance Partners Limited
- About the insurer
Cover summary
- Contents cover
-
- Nominate a sum insured for your contents
- 25% underinsurance safety net
- Legal liability
-
- Up to $20 million
- Cover for people named on the policy
- Cover for incidents in Australia
- Renters liability
- Covered
Cost
- Same price to pay monthly
- ACT price comparison
- $
- NSW price comparison
- $
- NT price comparison
- $
- 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 and attempted theft
- No cover for theft by residents
- No cover for theft by people at the address with consent of you or a resident
- No cover for theft at a multi-residency site from common property, common or public areas or unenclosed individual car parks or spaces
- No cover for theft from homes not sufficiently furnished for normal residential purposes
- No cover where building security has been compromised due works being carried out
- No cover for theft or attempted theft out of or in connection with any business, profession or occupation
- Fire
-
- Covers fire and bushfire
- Accidental damage option adds cover for any process involving the application of heat where there is no flame
- No cover for ignition of mineral spirit or dangerously flammable substance brought onto or kept at the address in quantities which are in breach of statutory regulations or deliberately by residents or someone at the address with consent
- 72 hour waiting period for bushfire
- Flood
-
- Covered
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of flood or rainwater
- No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
- No cover for damage caused by water entering building due to due to building alterations, renovations or additions
- No cover for damage caused by gradual deterioration or wear and tear
- No cover for damage caused by water that has seeped or percolated into building
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- Flood excess: greater of $500 or your basic excess
- 72 hour waiting period
- Storm and cyclone
-
- Covers damage caused by storm and rainwater
- Covers damage caused by earth movement and vibration but must occur as a direct result and within 168 hours of storm or rainwater
- No cover for damage caused by gradual deterioration due to rainwater
- No cover for damage caused by hydrostatic pressure or hydrodynamic pressure
- No cover for damage caused by water entering building due to due to building alterations, renovations or additions
- No cover for damage caused by water that has seeped or percolated into building
- No cover for cost of replacing water in swimming pools or spas
- No cover for cost of cleaning or removing mud or debris in swimming pools or spas
- 72 hour waiting period for rainwater and storm
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
-
- Covers malicious damage and vandalism
- No cover for damage by residents
- No cover for damage by someone at address with consent of you or resident
- No cover damage in connection with any business, profession or occupation
- Riot & civil unrest
-
- Covers riot, civil commotion and industrial unrest
- No cover for damage caused by residents
- No cover for damage caused by someone at the address with consent of you or resident
- No cover for subsequent damage sustained after the first 168 hours of riot, commotion or unrest
- Impact damage
-
- Covers damage caused by falling trees or tree branches
- Covers damage caused by vehicles, trailers or watercraft
- Covers damage caused by power or communication poles
- Covers damage caused by satellite dishes, television or radio aerials breaking or collapsing
- Covers damage caused by animals
- Covers damage caused by aircraft or debris falling from space
- No cover for damage caused by tree felling or lopping at the address
- No cover for damage to driveways, paths, paving or underground services caused by vehicles, cranes or earthmoving equipment
- No cover for damage caused by animals kept at the address or domestic animals
- Does not cover removing or lopping trees which have fallen but not damaged the home
- Does not cover removing stumps
- Animal damage
-
- Covers impact damage caused by animals not kept at the address
- No cover for damage caused by birds, domestic animals, vermin, animals kept at the address or insects (including termites)
- Escape of water and other liquids
-
- Covers sudden, unexpected, accidental and without warning escape of liquid from: › fixed pipes › waterbeds, aquariums and household appliances › fixed household items used to hold liquid › fixed tanks
- No cover for damage caused by gradual seepage; wear and tear; gradual deterioration; or a gradual process of leaking, splashing, dripping or overflowing
- No cover for damage caused by inadequate drainage systems
- No cover for damage caused by leaking or faulty shower recesses or bases
- No cover for damage caused by lack of routine maintenance
- No cover for damage caused by water or other liquids entering through an opening made for building, renovation or repair work
- No cover for escape of liquid from pipes designed to leak, any fixed item used to hold liquid due to overflowing as a result of a tap being left on, swimming pools, watering systems, pot plants, vases, terrariums, beverage containers, cooking pots, buckets or watering cans
- No cover for items from which water leaked or escaped
- No cover for cost to replace any liquid that escaped
- Breakage
-
- Covers: – mirrors in contents items such as furniture – fixed glass in contents items such as furniture – any other part of contents damaged by broken item
- Covers cost to disconnect and reconnect electrical components to damaged item
- Break must extend through entire thickness of glass
- Does not cover: – glass in the roof of sunrooms or similar – glass forming part of stove tops, cooking surfaces, heaters or oven doors – screens of computers or television sets or other types of visual display units – glass vases, ornaments or held-held mirrors – glass in glasshouses or greenhouses – glass in the roof of conservatories or similar
- Accidental damage
-
- Optional
- Covers accidental loss and damage to your contents
- No cover for accidental breakage of glass forming part of a stove top, cooking surface, heater or oven door or in a glasshouse or greenhouse or in the roof of a conservatory, sunroom, or similar
- No cover for bicycles, sporting or fishing equipment, musical instruments or remote controlled aircraft or drones while in use
- No cover for plants, jewellery, watches, food, medications, cash, gift vouchers, negotiable instruments or mobile phones
- No cover for damage caused by normal use resulting in scratching, chipping or denting; domestic pets, animals or livestock at the address with permission of a resident; tree felling or lopping; subsidence; landslide; mudslide; or collapse
- No cover for swimming pools caused by or contributed to by you lowering the level of water
- No cover for damage that occurs gradually
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
- Insurer may offer non-cash alternatives
- New for old contents replacement
- Covered (excludes computers more than four years old and out of use clothing, shoes or household linen or items)
- Unoccupied homes
-
- Reduced cover if unoccupied for more than 60 days
- You must receive insurer approval if home will be unoccupied for more than 120 days
- You may be charged an additional premium
- You must: › keep lawns mown and garden tidy › stop regular mail and newspaper deliveries › arrange for someone to check inside and outside weekly
Contents
- Cover for unlisted portable contents
-
- Covers some items for accidental loss or damage
- Choose overall limit from $2500–$7500
- Up to $1000 per item
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Optional cover for specially listed valuables
-
- Cover for insured events and accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Contents in the open air
- Up to 10% sum insured overall
- Temporary accommodation
- Not covered
- Debris removal
-
- Up to 15% sum insured overall
- Paid on top of sum insured
- Exploratory costs
-
- Applies to claims for escape of liquid
- Covers cost to search for unknown source of leaking pipe
- Up to $2500 overall
- Emergency storage
- Not covered
- Keys and locks after break-in
- Covered
- Motor burnout
-
- Motors up to 10 years
- $100 excess
- Optional
- Jewellery
- Up to 25% sum insured overall
- Artworks
- Up to sum insured overall
- Collections (e.g. stamps, coins)
- Up to sum insured overall
- Digital media
- Covered
- Spoiled food
-
- Up to $1000
- Included under optional motor burnout cover
- Covers frozen and refrigerated food and prescription medication
- Covers spoilage caused by motor burnout
- Visitors' contents
- Up to $2000 overall
- Pet cover
- Not covered
- 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 20% contents sum insured overall
- Cover for fire and collision or overturning of removal vehicle
