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Whether you need make a claim or to ask a question we're only a phone call away.
For claims
Call13 24 8024 hours, 7 days a week
For general enquiries
Call13 24 81Personal Insurance
8:30am to 5:00pm AEDST, Monday to Friday
Business Insurance
8:00am to 8:00pm AEDST, Monday to Friday
While overseas
Call +61 3 9601 8222Renters Contents Insurance
Insurance for renters can provide coverage to either repair your insured contents or replace them with new ones if they're damaged after an incident we cover.
Protect your valuable belongings while you rent
When you're a tenant, it’s sometimes hard to know whether you need insurance. Landlords are responsible for insuring their rental property building and any contents they own. However, landlord's insurance generally doesn't cover your belongings like your furniture, whitegoods, electrical appliances, clothing, personal effects and other possessions. If you're renting a house, unit or living in a share house, you might want to consider our insurance for renters, Contents Insurance
A great claims service
We go out of our way to make the claims process hassle-free, and pay valid claims as quickly as we can. After all, you’ve got other things to worry about.
New for old
If your saggy old sofa is damaged in a fire or flood, we’ll replace it with a new one. In other words, with our new-for-old replacement there’s no depreciation on your contents.
A roof over your head
Worried about where you'll sleep at night if the rental property you live in is significantly damaged as the result of an incident? As a tenant, CGU looks after you, providing temporary accommodation for up to 12 months.
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Premium Cover
Accidental damage
As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage.
To really wrap your head around what’s covered with this insurance, you should take a look at: Premium – Accidental Damage PDS
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Quality Cover
Listed events
Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.
To really wrap your head around what’s covered with this insurance, you should take a look at: Quality – Listed Events PDS
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Basic Cover
Fundamentals
Basic has you covered for floods, fires, break-ins and more.
To really wrap your head around what’s covered with this insurance, you should take a look at: Basic – Fundamentals PDS
Looking for home insurance in SA, WA or the NT?
Our home insurance is now only available through our partners in South Australia, Western Australia and the Northern Territory. If you would prefer to get your insurance direct from an insurer, you can visit NRMA Insurance to see their home insurance policies and get a quote.
If you already have a policy with us, we'll contact you if there are any changes to it in the future.
NRMA home insurance in SA, WA and NT is issued by Insurance Australia Limited, ABN 11 000 016 722 trading as NRMA Insurance. To see if this product is right for you, always consider the Product Disclosure Statement and Target Market Determination available from nrma.com.au.
Contents Insurance for Renters FAQ
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What is Contents Insurance?
When you take out Contents Insurance as a renter you're taking out cover for things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture.
How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic.
To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
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How much does Contents Insurance cost?
When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to where you live, and more.
The best way to answer this question is to complete a quick quote. You'll have an answer in less than five minutes.
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What isn’t covered by Contents Insurance?
This depends on the type of policy you’ve taken out. Each of our Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.
In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).
We encourage you to read your PDS to see the full list of what is and isn’t covered:
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Is Contents Insurance best for me?
If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen.
To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these:
