Renters Insurance
Our contents insurance for renters provides flexible options to cover your possessions.
Why Contents Insurance for Renters?
Your landlord is responsible for your four walls, but what about your personal belongings? Renters Contents Insurance gives you peace of mind that if an unexpected event were to happen, which causes loss or damage to your contents, you have the help you need to get back on your feet.
Your personal belongings may be worth more than you think
Have you ever thought about how much your engagement ring, watch, surfboard, TV, laptop, handbag and other items will cost to replace if they were damaged or went missing?
Use the Contents Calculator1 to get an estimate on what it will cost to replace your belongings. You will receive a downloadable report which is handy to receive a quote.
Top tip: If your valuables fall outside the standard cover limits, you can choose the value of your special items in the quote form.
All covers include
Damage from flood, storms2, earthquake, lightning, fire2, impact, explosion
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property
Automatic safety net in case repair or replacement costs are higher than expected3
Theft4, riot, civil commotion and malicious acts
New for old replacement on contents, irrespective of age, where an item cannot be repaired
Emergency accommodation if your home becomes unliveable5
Choose from 3 levels of cover
Essential Care
Safety Net
Up to 5% of the sum insured
Emergency Accommodation
Up to $5,000
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Cover Limits
- Jewellery and watches: Up to $500 per item/$3,000 per claim
- Artworks, collections and collectables: Up to $3,000 in total
- Sporting equipment: Up to $2,000 in total
- Bicycles: Up to $1,000 in total
Other limits and exclusions apply.
Quality Care
Safety Net
Up to 10% of sum insured
Emergency Accommodation
Up to 12 months or 10% of the sum insured (whichever is less)
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Cover Limits
- Jewellery and watches: Up to $1,000 per item/$5,000 per claim
- Artworks, collections and collectables: Up to $10,000 in total
- Sporting equipment: No limit
- Bicycles: Up to $1,500 in total
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
Premier Care
Safety Net
Up to 20% of sum insured
Emergency Accommodation
Up to 12 months or 10% of the sum insured (whichever is less)
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Cover Limits
- Jewellery and watches: Up to $5,000 per item/$20,000 per claim
- Artworks, collections and collectables: Up to $20,000 in total
- Sporting equipment: No limit
- Bicycles: Up to $2,000 in total
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental loss to your contents
✓ Accidental damage to your contents
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
In general, damage or loss caused by wear and tear or failing to maintain your property are not covered under Contents Insurance.
Take a look at the Home and Contents Insurance Product Disclosure Statement (PDF 1MB) for the full details of how you are covered and policy exclusions and limits.
Extra cover for your valuables
You have the option to add optional personal valuables cover for at home and anywhere in Australia, or worldwide for up to 90 days.
Simply add in your items in the quote form.
What special items can I cover?
- Jewellery - engagement rings, watches and more.
- Electronic equipment - laptops, photographic equipment, video cameras and more.
- Household items - prams or strollers, musical instruments and more.
- Sporting goods - surfboards, sailboards, bicycles, portable camping or fishing equipment and more.
Limits and exclusions may apply.
Important Information
Before making a decision, please read these documents to ensure you’re aware of all fees and charges.
How to make a claim
Get instant confirmation when you lodge your claim online with our simple claims process.
Check your Policy Schedule for your sum insured and nominated excess. Don't forget to have the details of the event handy and one of our dedicated consultants will contact you within 3 business days if we have any further questions.
Offer & Benefits
Save 15% online*
Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER.*
Cover that moves with you
You can keep the same policy, even when you change address.6
Simple claims process
24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.
The Detail
Cover is subject to your application for insurance being accepted.
Key Facts Sheets (KFS):
Home Building Essential Care KFS (PDF 311KB)
Home Contents Essential Care KFS (PDF 335KB)
Home Building Quality Care KFS (PDF 311KB)
Home Contents Quality Care KFS (PDF 336KB)
Product Disclosure Statements (PDS)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB) (applicable to policies issued or renewed on or after 1 July 2019)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB) (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019)
This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
1 The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.
2 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls. Fire cover excludes damage caused by smoke where there was no flame at the site
3 Safety net of between 5% and 20% of your sum insured, depending on your type of cover.
4 Under Essential cover, theft is only covered if the theft occurs from inside a fully enclosed locked building and only where there is evidence of forced entry. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.
5 If your home is unliveable we will cover up to $5,000 (Essential Care) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.
6 Premiums may vary depending on location
Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance.