If you are renting, have you considered how much it would cost to replace all the contents in your home if they were destroyed by fire or storm? Or in the event of theft or burglary? Ray White Contents Insurance can help you protect your belongings from loss or damage caused by insured events such as fire, theft and storm.
Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.
So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
Here is a limited summary of the benefits of a contents insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents key fact sheet also available for reference.
Select the cover to suit your needs.
Effective 18 November 2019
Contents Insurance for Renters
|Cover when you’re moving house||Contents Insurance for Renters will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).|
|Alternative accommodation for you and your pets||If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Contents Insurance for Renters will cover the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for you and your pets in a commercial boarding establishment.|
|Debris removal||Contents Insurance for Renters will cover up to 10% of the contents sum insured for removal of debris from the home building if your contents are damaged or destroyed by an insured event.|
|Food or medicine spoilage||If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Contents Insurance for Renters will pay up to the amount specified in the PDS for you to replace it.|
|Guest, visitor and domestic helper property||Contents Insurance for Renters also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.|
|Cover for events||Contents Insurance for Renters will cover you up to your contents sum insured for loss or damage caused by storm, cyclone, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.|
|Cover for storm damage||Rest easy, within the first 72 hours following a storm, Contents Insurance for Renters has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.|
|Legal liability||Contents Insurance for Renters will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property.|
|Accidental damage cover for you rental property||Contents Insurance for Renters will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.|
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Add any of these optional covers for an additional premium and greater cover.
Contents Insurance for Renters
|Optional cover – Accidental damage||The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.|
|Optional cover - Portable contents||Optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance|
|Optional cover - Motor burnout||The Motor burnout option covers you if an electrical current damages your household electrical motors.|
|Optional cover - Flood cover||Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.|
|Domestic worker’s compensation cover||Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.|
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It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided this calculator. It works as a guide to help you estimate the replacement value of your home contents.
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed portable contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Ray White Insurance on 1800 221 773). If you’re not sure whether you have added these cover options, you can check your policy schedule.
We will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents key fact sheet also available for reference.
If you purchased home insurance before 18 November 2019, please refer to the relevant Classic Home Insurance or Prestige Home Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet.
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Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AFSL/Australian Credit Licence No. 267687 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from https://www.raywhite.com/insurance. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.
1. Online discount
A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
4. Minimum premiums
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.
Discounts do not apply to taxes or government charges.
Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).
Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.
5. Excess reduction
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
6. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.