Contents Insurance for renters
Insure your belongings if you live in a rental property for loss or damage from insured events such as theft, fire⁶ and storm⁶.
Speak to a real person
Call 1300 50 50 99 to speak to a real person who understands you
Flexible payment options
Pay by the month at no extra cost⁵ and enjoy the flexibility to adjust your excess which may reduce your premium⁴
Supporting older Australians
Your policy helps fund our advocacy work and improve outcomes for older Australians.
Renewal Invitation Guarantee
National Seniors members receive a Renewal Invitation Guarantee.
Save up to 10%
Up to 10% discount on your first year's premium when you quote and buy a new policy online¹,³
24/7 online claims
24/7 claims online claims lodgement or call 1300 55 50 30 to speak to a real person
Cover when you’re moving house
We 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 being moved between premises, or in transit (unless you have Accidental damage cover).
Debris removal
National Seniors 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.
Cover for events
We 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 bushfires a 72 hour exclusion period applies from when you first purchase your policy or increase the amount of cover.
Alternative accommodation for your pets
If your contents are damaged by an insured event to an extent that you can’t live in your home buildings, we 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 your pets in a commercial boarding establishment.
Food or medicine spoilage
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, we will pay for you to replace it. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum we will pay is $500. No excess will apply.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, National Seniors 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
We will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness caused by an accident, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of buildings unless the buildings are defined as a lot.
Accidental breakage cover for you rental property
We 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.
Vet costs
If you have insured your contents and your cat or dog is injured in a road accident during the period of insurance, we will pay up to $500 in any one period of insurance for related veterinary expenses.
Emergency contents storage
We’ll pay to move and store your contents when the home building you live in is damaged by an insured event and is unable to be lived in - up to a maximum of 12 months.
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 below insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
- Fire or smoke⁶ (including bushfires and grassfires)
- Theft or burglary
- Storm⁶ and cyclone⁶, rainwater or run off (not including flood which subject to eligibility may be available under the optional Flood cover)
- Lightning
- Water or other liquid damage
- Impact damage
- Earthquake or tsunami⁷
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Explosion
- Riots or civil commotion
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. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
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.
Flood cover
Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.
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.
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.
Call our friendly customer care team on 1300 50 50 99
(Monday to Friday 8:30am to 6pm AEST)
For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings Key Fact Sheet (KFS) also sets out some information about the cover.
Need more information? Read our Buildings and Contents Insurance Frequently Asked Questions.
Access an existing quote quickly and easily.
Lodge your claim online 24/7 or call 1300 55 50 30 and a consultant will help you.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Use this calculator as a guide to help you estimate the replacement value of your home contents.
National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more.
Modest profits from the sale of your policy help us create real change and a better future for all older Australians.
Join National Seniors Australia today and receive discounts on everyday essentials and more
National Seniors Australia members have access to a range of benefits and services – including discounts on Travel, Health and Life Insurance.
As a member, save with discounts, expand your social circle through our branches, receive a yearly subscription to Our Generation digital magazine, and access our Financial Information Consultant by phone.
For only $49.50, anyone can become a member and it only takes minutes to join.
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National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 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 www.nationalseniorsinsurance.com.au. The relevant Target Market Determination is available by calling 1300 50 50 99. 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.
Information contained on this website is general information only.
1. Online discount
[Home] When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
2. NCB
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 year's. Landlord customers must have had no Landlord insurance claims in the preceding 3 year's. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
3. 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.
4. Excess reduction
Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
5. 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.
For more information about promotional or other discounts, please visit our Comprehensive Motor Insurance website here.
6. 72 hour waiting period
We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.
7. Earthquake excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.