Contents Insurance can cover your important items from damage or loss caused by insured events such as fire7, storm or theft.
Contents insurance insures the belongings you have at the insured address that you have provided for the use of your tenant: from your furniture, carpet and appliances and even your BBQ.
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 home and contents insurance policy. For full details, of the terms, conditions, limits and exclusions that apply please read the Home Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Contents key fact sheet (KFS) also sets out some information about the cover.
Contents Insurance |
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| Cover when you’re moving house | Contents Insurance 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, Allianz will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of your contents sum insured and up to $500 for temporary accommodation for your pets in commercial boarding establishment. This benefit applies up to a maximum of 12 months. |
| Debris removal | In addition to your buildings sum insured, Contents Insurance will pay up to 10% of your contents sum insured for the removal of debris from your home buildings if your contents are damaged or destroyed by an insured event. |
| Emergency contents storage | If your home buildings are damaged by an insured event and are unable to be lived in, Allianz will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home buildings or until you find alternative accommodation, up to a maximum of 12 months and the remaining balance of your contents sum insured after payment of claim. |
| Guest, visitor and domestic helper property | Contents Insurance will 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. |
| Food or medicine spoilage | If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Contents Insurance will pay for you to replace it. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum Allianz will pay is $500. No excess will apply. |
| 24/7 claims assistance | When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone. |
| Cover for your contents intended to be kept outside | Contents Insurance will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total. |
| Get a quote# | |
Apply to add any of these optional covers for an additional premium and greater cover.
Contents Insurance |
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| Optional cover – Accidental damage | The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents. |
| Optional cover - Portable contents | Optional cover to insure 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. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home. |
| Optional cover - Motor burnout | The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover. |
| Optional cover - Domestic workers’ 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. |
| Get a quote# | |
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, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. .That's why we've provided the calculator. It works as guides to help you estimate the replacement value of your home contents.
Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 13 10 13 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.
In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz first.
This optional cover provides even more cover – 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).
Through Allianz, we’ll 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 items contents are in transit (unless you have Accidental damage cover).
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. Allianz does not cover cracked glass or screens where this is the only damage to the item.
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 you cannot live in the home.
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 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 the Home Contents key fact sheet (KFS) also available for reference.
#By proceeding with a quote you agree to receive our Financial Services Guide from this website.
Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AR 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 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the product disclosure statement and key fact sheets available at https://raywhiteinsurance.com.au. The relevant Target Market Determination is available by calling 1300 658 390. 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.
The Financial Services Guide - Ray White Insurance can be viewed here.
1. Save up to 10% on your first year's premium when you quote and buy a new home insurance policy online.
When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.
2. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional Portable contents (if selected) and Domestic workers' compensation (if available and selected). Minimum premiums may apply.
3. No Claim Bonus
When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 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. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
4. Minimum premiums
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount.
Discounts do not apply to government taxes and charges.
Most discounts won’t apply below the minimum amount payable for the policy.
5. Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected). Minimum premiums may 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.
7. 72 Hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.