Legal Liability cover of up to $20 million
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Mon - Fri 8.30am - 5.30pm

Ray White Tenant Insurance offers

30%

Receive up to a 30%
No Claim Bonus1,2

Pay by the month
at no extra cost3

Legal liability cover up to $20 million

See More Benefits and
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  • Insured Events
  • Key Benefits
  • See More Benefits
  • How to Claim
Classic Tenants Insurance Prestige Tenants Insurance
Insured events
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
Insured events + any accidental damage or breakage
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking

To review the Key Facts Sheets available for our tenant cover click here.

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Benefit Classic Tenants Insurance Prestige Tenants Insurance
New for old replacement where the insurer agrees to replace your contents
Legal liability cover Covers your legal liability for payment of compensation in respect of:
  • death, bodily injury or illness, and/or
  • physical loss of or damage to property, caused by an accident or series of accidents attributable to one originating cause
Up to $20,000,000 Up to $20,000,000
Fusion (burnout of electric motors) If the electrical current damages a household electrical motor (including sealed or semi-sealed refrigeration units) the insurer will either pay the reasonable cost to rewind the motor or replace the motor. Motors up to 10 years old Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards If your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card, the insurer will pay up to the limit specified for any one occurrence of loss or theft of one or more of your cards. Up to $5,000 Up to $5,000
Guests', visitors' and domestic helpers' property Covers property belonging to your guests, visitors or domestic helpers if they are lost or damaged by an insured event whilst it is in your home, provided that the insurer would have paid the claim if the property had belonged to you. Up to $5,000 Up to $5,000
Spoilage of refrigerated / freezer food Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
  • breakdown or failure of the unit or any of its components;
  • escape of the refrigerant or fumes; or
  • accidental failure of the public electricity supply to the buildings
Up to $500 Up to contents sum insured unless caused by a declared natural disaster in which case, limited to $500 but no excess payable
Compensation for fracture Benefits vary depending on the bone(s) fractured – see PDS for details 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
Temporary removal of contents from your risk address Covers your contents for loss or damage by an insured event, when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum period of up to 90 days. Up to 20% of contents sum insured:
  • while kept inside where you are temporarily residing; or
  • anywhere else in Australia or NZ but excluding theft
Sub-limits apply for listed contents. See PDS for details.
  • Up to 20% of contents sum insured, while kept inside where temporarily residing; or
  • Up to $7,500 for contents anywhere else in Australia or NZ
Sub-limits apply for listed contents. See PDS for details.

This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

To review the Key Facts Sheets available for our tenant cover click here.

Get a quote#

Benefit Classic Tenants Insurance Prestige Tenants Insurance
Replacement of locks and cylinders Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated. 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) Includes contents at your risk address which are located:
  • in the open air, or
  • under an open-sided structure or carport, or
  • on a patio or verandah, or
  • in or on a motor vehicle, caravan, trailer or watercraft,
  • in a tent, or
  • in an unlocked garage, shed or storage room
Tax audit Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office. Up to $5,000 Up to $5,000
Legal defence costs Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance. Up to $5,000
Security firm attendance Covers fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if the insurer has agreed to pay a claim for burglary, housebreaking or theft. Up to $500 Up to $500
Veterinary costs Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident. Up to $500 Up to $500
Transit to your new place of residence Covers loss or damage to your contents caused by:
  • fire, collision and/or overturning of the conveying vehicle; or
  • theft from the conveying vehicle;
while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:
  • to your new intended risk address; or
  • to or from a furniture storage facility
whichever is the greater distance.
Emergency storage of contents Covers the reasonable costs to move and store your contents for up to 12 months if the buildings are rendered unlivable by an insured event. Limited to the balance of any sum insured remaining after payment of your claim for damage to your contents Limited to the balance of any sum insured remaining after payment of your claim for damage to your contents
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Automatic indexation of sums insured If you make a claim during the period of insurance, the sum insured for your contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.
Compensation for death $10,000 will be paid to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury. 10,000 10,000
Contents in a safe deposit box at a bank (excludes cover for theft) Covers your contents for loss or damage when they are kept in a safe deposit box at a bank. Covered if the loss or damage was due to an insured event, up to a total amount of:
  • $500 for money, cheques and other negotiable instruments; or
  • 20% of your contents sum insured for all other contents
Sub-limits apply for selected contents.
Covered if the loss or damage was due to an insured event, up to a total amount of:
  • $1,000 for money, cheques and other negotiable instruments; or
  • 20% of your contents sum insured for all other contents
Sub-limits apply for selected contents.
Optional extras (An additional premium applies)
Flood cover5 Available for eligible property addresses
Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
  • at the home address;
  • anywhere else in Australia and New Zealand; and
  • for up to 35 days overseas
Available only in conjunction with contents cover.
Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
  • travellers’ suitcases and bags, handbags, briefcases, wallets and purses;
  • clothing;
  • jewellery, watches or items containing silver or gold;
  • cosmetics and toiletries;
  • clocks;
  • sporting equipment;
  • musical instruments;
  • photographic or video equipment;
  • binoculars or telescopes;
  • writing instruments;
  • spectacles and sunglasses;
  • personal audio and video equipment; and
  • pocket calculators.
Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
  • at the home address;
  • anywhere else in Australia and New Zealand; and
  • for up to 35 days overseas
Available only in conjunction with contents cover.
Can cover:
  • portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
  • portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items)
Domestic Workers’ Compensation cover Only available in the ACT, WA and TAS.
Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.

This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

To review the Key Facts Sheets available for our tenant cover click here.

Get a quote#

To make a Tenant Insurance claim online (any time):

  • Secure form
  • Immediate confirmation number for your reference
  • You can submit your Tenant Insurance claim form 24 hours a day, 7 days a week

The fastest, easiest way is via our online claim form. You can submit your Tenant Insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

It takes less than 10 minutes to complete the online claim form, and we contact you after receipt of your form so you don’t have to wait in phone queues.

Make a claim online

You can also call the Allianz claims hotline on 1300 555 030, 24 hours a day, 7 days a week.
Alternatively, you can call Ray White Insurance on 1800 221 773 8:30am - 5:30pm AEST.

This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

To review the Key Facts Sheets available for our tenant cover click here.

Disclaimer

#By proceeding with a quote you agree to receive our Financial Services Guide from this website.

REVA Insurance Pty Ltd ABN 95 105 230 046 AR Number 267687 trading as Ray White Concierge and Ray White Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS). 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 any services. If the agreed premium threshold is met, we will also receive a percentage of the profit which exceeds the agreed profit threshold for Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies arranged by us or renewed with Allianz in each calendar year. Allianz also reimburses us for marketing costs we incur to promote its products. This is capped at a percentage of the premium earned on policies arrange by us with Allianz in the prior calendar year Ask us for more details before we provide you with any services.

* Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

+ To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

1. Applicable when contents cover taken out.

3. Flood cover is available for eligible property addresses. Flood cover is an option on both Building and Contents in home and landlords insurance.

> Premium amount payable in addition to your home building and/or contents premium. Calculation based on specifying a single mobile phone valued at $1000 as personal effects. Current as of 21/08/2014. Please refer to your PDS for full terms and conditions.

Prefer to talk? 1800 221 773
Mon - Fri 8.30am - 5.30pm