Contents Insurance for Renters
Up to 10% discount on your first year's premium when you quote and buy a new policy online¹,³
Speak to a real person
Call 1300 50 50 99 to speak to a real person who understands you
Not-for-profit helping older Australians
Your policy helps fund our advocacy work and improve outcomes for older Australians.
Flexible payment options
Pay by the month at no extra cost⁵ and enjoy the flexibility to adjust your excess which may reduce your premium⁴
Unparalleled service
Our friendly Australian-based customer care team isn't bound by average call handling times, providing you with personalised quality service.
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 claims assistance
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).
Cover for storm damage
Covers loss or damage caused by storm, cyclone⁶, or rainwater but this does not include run-off.
Alternative accommodation for 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, National Seniors Insurance 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.
Food or medicine spoilage
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, National Seniors Insurance will pay for you to replace it. If you claim for this benefit, an 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.
Debris removal
In addition to your contents sum insured, National Seniors Contents Insurance for Renters 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.
Legal liability
We 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 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
If your home buildings are damaged by an insured event and is unable to be lived in, National Seniors Insurance will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building 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.
Cover for the unexpected
National Seniors Insurance offers cover for out of the ordinary but devastating events such as fire⁶ including bushfire⁶ and grassfire⁶, earthquake⁷ and burglary.
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.
Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage 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.
Contents insurance covers 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 smoke (including bushfires and grassfires)⁶
- Storm, cyclone, or rainwater⁶
- Flood and/or run-off⁶
- Theft or burglary
- 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
Call our friendly customer care team on 1300 50 50 99
(Monday to Friday 8:00am 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 Contents Key Fact Sheet (KFS) also sets out some information about the cover.
Sharon, 67 - VIC Travel Insurance Customer
Seeking a quote on Travel Insurance was made very easy by the agents I spoke to today. Carl, firstly, was very patient, concise and considerate. He explained everything and made sure I understood what he had said at each junction. I then took time to read over the emailed quote and when I rang back and spoke with Amanda, she was also pleasant, patient and clearly spoken. She answered a couple more questions I had before I committed to the quote. The quote itself was at a reasonable cost. I would definitely recommend and will come back to them in the future.
Frankie, 53 - NSW Caravan Insurance Customer
Aaron was excellent, very patient, very clear on policy details, polite and we did not feel like just another caller. Look after him National Seniors, he's a keeper.
David, 68 - NSW Travel Insurance Customer
Aaron did a great job going over my almost complete quote, uncovered some mistakes I had made and made sure my travel insurance covered everything I needed. Made it all easy.
Penny, 70 - VIC Travel Insurance Customer
I can't speak highly enough of the help Sinead gave me when choosing my travel insurance for an upcoming 6-week trip to Ireland. She explained everything and made it all so easy. I will certainly recommend her to any senior planning to travel. Many thanks Sinead.
Lee, 66 - QLD Caravan Insurance Customer
Sinead presented herself as a very happy, knowledgeable person with terrific people skills, she answered all of my questions without hesitation. This lady has nailed it, she knows how to make a potential client feel important and she treats people with respect. It was late on the Friday, and we ran out of time to finalise the deal, Sinead promised me that she would phone me on the Monday around 9:00am, sure enough she did! Sinead is a first-class employee, and she deserves a high level of recognition.
Deb, 69 - NSW Caravan Insurance Customer
Narelle was exceptional in every way as a representative of Australian Seniors Insurance. She went out of her way to explain our caravan insurance policy in detail. Narelle was friendly, knowledgeable, competent and had an obvious love for her job in her attitude towards the customer, especially making sure we felt confident with every detail before signing up to our new policy. This was particularly important as we had used another provider for the past 46 years. Narelle gave me time to discuss the new policy with my husband after my initial enquiry and rang back exactly as promised to finalise payment. Narelle is huge asset to your insurance company.
Desmond, 77 - VIC
Travel Insurance Customer
Sinead provided excellent assistance in arranging my insurance cover for my travel next year. She had good product knowledge, very good interpersonal skills and always delivered what she promised within agreed timeframes. From a customer's perspective, personnel such as Sinead are great to deal with and should be valued and retained.
Carolyn, 78 - SA
Travel Insurance customer
I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.
Harry, 71 - QLD
Caravan Insurance customer
Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.
Angus, 79 - QLD
Travel Insurance customer
What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.
Mandy, 73 - QLD
Travel Insurance customer
I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.
Access an existing quote quickly and easily.
Do what you reasonably can to prevent any 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.
Start your Home Insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 1300 55 50 30 to submit your claim.
The claims consultant will help you through the home and contents insurance claims process.
To help you estimate the replacement value of your home contents, we have a calculator available. 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.
What does it mean if I take the Accidental Damage cover option?
Accidental Damage is optional and provides cover 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).
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
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 will not cover cracked glass or screens where this is the only damage to the item.
What if I need to claim on portable contents cover?
You need to provide evidence of the value and ownership of both listed and unlisted portable contents
How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting National Seniors Insurance on 1300 50 50 99). If you’re not sure whether you have added these cover options, you can check your policy schedule.
What is considered ‘unable to be lived in’?
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.
Am I covered for Flood?
Flood cover is a Standard inclusion for all Contents Insurance policies that start from 14 January 2025.
For Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:- You previously opted out and met certain flood risk criteria,
- We weren’t able to offer you flood cover,
- We’ve agreed you can opt-out of flood cover as standard.
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement, any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
The not-for-profit working with, and for older Australians
National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older Australians a strong national voice.
Our evidence-based advocacy and research tackles issues such as age discrimination, mature-age employment, the Age Pension, social inclusion, cost of living, health costs and more.
With unrivalled access to policy-makers and world-class research, the modest profits from the sale of your policy help us create real change and a better future for all older Australians.
National Seniors members have exclusive access to a range of benefits and services including discounts on Travel, Health and Life Insurance, and our new EAT | PLAY | SAVE Discounts app – developed in partnership with Frequent Values by Entertainment.
Redeem offers Australia-wide on dining, takeaway, shopping, gift cards, local services, and more. Discounts can be redeemed repeatedly, daily, meaning members can enjoy discounts of up to 20% every day, even if they’ve used that discount previously.
Along with the app, enjoy a yearly subscription to Our Generation magazine, access to local community branches, our Financial Information Consultant for independent information, tools and resources, and more.
For only $49.50 you can become a member online via the below button, or you can contact our friendly Membership team on 1300 76 50 50.
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National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 arranges this insurance as an 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. Full details of the commission are set out in the Financial Services Guide. Ask us for more details before we provide you with services.
Information contained on this website is general information only.
1. Online discount
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, not available from 21 December 2025), or upon renewal. Minimum premiums may 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 covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected, not available from 21 December 2025). Minimum premiums may apply.
3. 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.
4. 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, not available from 21 December 2025). Minimum premiums may 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.
6. 72 hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
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.