A renter’s guide to Contents Insurance
Published 9 August 2021
Loss from theft, fire, flood, storms and accidents are just as likely whether you own a home or are renting one.
This information is current as at date of publication and is subject to change.
ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Home Building Key Facts Sheet (PDF 130kB), ANZ Home Contents Key Facts Sheet (PDF 130kB), ANZ Home Insurance Target Market Determination (PDF 199kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.
Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
The ANZ App is provided by ANZ. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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We won't cover damage caused by an event excluded under any section of the policy. For example, we won’t cover loss when you can't establish the cause or loss or damage to sporting equipment while it is being used.Return
Contents cover away from home optional benefit: Your contents are covered away from home up to your contents sum insured anywhere in Australia and New Zealand for up to 120 consecutive days if the damage or loss occurs as a result of an event we cover. Your contents are covered away from home outside Australia and New Zealand for up to 120 consecutive days and up to 25% of the contents sum insured or $15,000, whichever is the lesser, if the damage or loss occurs as a result of an event we cover. Please refer to the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) for full details.Return
If your contents suffer loss or damage in an insured event and your claim is accepted, we’ll choose to either: repair or replace an item; or pay the cost of its replacement or repair. Subject to total contents sum insured and any applicable limits. Refer to the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) for a full list of conditions, limits and exclusions that apply.Return
Conditions apply if damage occurs within 48 hours of the start of your policy. Refer to the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) for full terms and conditions.Return
Except where it’s done by you, a tenant, someone who resides in the buildings, someone else on your behalf, or theft where you share your buildings with more than one other unrelated person not named on the policy. We won't provide cover if the property is unoccupied for more than 120 consecutive days, however cover can be requested for extended un-occupancy beyond 120 days. We will assess any changes to the risk in accordance with our underwriting rules and processes at the time.Return
We do not cover the cost to repair or replace an electric motor if it is older than 15 years old. Electric motors are covered if under 15 years old.Return