Lucky you're with AAMI
Renters Insurance
When you’re renting, it’s the stuff you fill your place with that makes it a home. AAMI Contents Insurance can help you ensure your stuff is covered following an insured event.
Get $25 Off
FIRST YEAR ONLINE DISCOUNT More about first year online discount
Get a quote in about 5 minutes
Retrieve a previous quote
Why do I need renters insurance?
Whether it’s your home theatre setup, kitchen appliances or wardrobe full of your fave outfits — we’ve all got stuff that’s important to us. Insured events like burglaries and wild weather can leave you needing urgent repair or replacement of your must-have items, which is where Contents Insurance for renters can help.
Which renters insurance do I need?
Contents Insurance can help you cover the cost of repairing or replacing your belongings — furniture, appliances, electronics and so on — if they’re lost or damaged in an insured event. Fire & Theft Contents Insurance limits your coverage to $25,000 if you suffer damage or loss caused by fire or theft.
contents
Best Cover
Contents Insurance
Get $25 off
FIRST YEAR ONLINE DISCOUNT More about first year online discount
What's included
- Repair or replacement of your contents
- New for old replacement
- Cover for spoiled food and medication ($400)
- Cover for legal liability
- Temporary accommodation
false
Get a quote
Policy Disclosure Statement (PDS)
theft
Low cost
Fire & Theft Only
Get $5 off
FIRST YEAR ONLINE DISCOUNT More about first year online discount
What's included
- Limited cover of $25,000
- Cover for contents damaged by fire (including bushfire) or theft or burglary
- Up to $20 million cover for legal liability
Get a quote
Policy Disclosure Statement (PDS)
soft
Helping you at every step
AAMI offers a dedicated Claims Manager to organise every detail from beginning to end.
- All quotes and repairs
- Sourcing of materials and replacement items
- Regular communication with you throughout the process.
Claim now online
What’s covered for Renters?
Your needs and budget will determine which level of coverage, and which optional extras, you choose. Brush up on both so you can get the coverage you need.
Your Contents
Available with Contents Insurance
tick
Loss or damage to your contents
If your claim for loss, theft or damage to your contents is covered, your contents may be replaced, repaired or we may pay you. We will aim to use a member of our supplier network to repair or replace damaged contents. Sometimes this is not always possible or practical (for example, if there is pre-existing damage to your contents item) and this will determine how your contents claim will be settled. Refer to your PDS for how we settle contents claims.
New for old for your lost or damaged contents items
New for old means replace or repair:
- with new items or new materials
- regardless of age
- to the same type, standard, and specification (however, not brand) as when new (or if not reasonably available, similar type, standard and specification).
For a full definition of ‘new for old’ and for how we settle contents claims, refer to the PDS.
tick
Cover for spoiled food or medicine
If an insured event causes refrigerated or frozen food or medicine to spoil — for example, if a storm knocks out power to your fridge — we’ll cover the cost, up to $400.
tick
Storage of undamaged contents
If some of your contents escape damage from an insured event, but they can't be kept at home – say, if they'll be exposed to the elements during repair work – we'll cover the reasonable cost to store them and packing, unpacking and transporting them to the temporary place of storage (and back again) until they can be kept at your home again. The most we’ll pay for any one incident is up to 10% of your contents sum insured.
tick
Accidental glass breakage
But not if the breakage doesn’t extend through the whole thickness of the damaged item — that is, chips or scratches don’t count.
tick
Cover for legal liability
Up to $20 million legal liability cover to pay compensation for death or bodily injury to other people, or loss of damage to their property resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance.
tick
Temporary accommodation for tenants or strata title owners
When you have contents cover and you can’t live at the insured address while it’s being repaired or rebuilt as a result of damage by an insured event, then we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address. If you are a tenant who needs to temporarily move out then we’ll pay for any reasonable extra rent costs for temporary accommodation. For more info about this coverage including limits, conditions and exclusions, see the PDS.
Your Contents
Available with Fire & Theft Only
tick
Limited cover of $25,000 for loss or damage to your contents
We cover loss or damage to your contents when they are inside the building or unit at the insured address caused by fire (including bushfire) and theft or burglary (subject to the terms, conditions and exclusions of your policy). The most we’ll pay is $25,000 for any one incident (unless we say otherwise in your policy).
tick
Cover for legal liability
Up to $20 million legal liability cover to pay compensation for death or bodily injury to other people, or loss of damage to their property resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance.
Optional Covers
Only available with Contents Insurance
neutral
homeDamage
Accidental Damage at Home
If you add this optional cover to your policy, we cover your contents if they are damaged accidentally when at the home.
Explore Accidental Damage at Home
highValue
Contents with Flexible Limits
These are items where you can choose to increase their limit for an extra premium. They’ll be included when you apply and will be shown on your Certificate of Insurance.
Explore Contents with Flexible Limits
portable
Extra Cover Portable valuables cover
Extra Cover Portable valuables optional cover provides cover for accidental loss or damage to your valuable personal belongings anywhere in Australia and New Zealand. This means they are covered both at and away from the insured address.
Explore specified portable valuables
Assessing your property
calculator
Contents calculator
Estimate your contents coverage
Estimate the replacement cost of your contents and determine how much cover you need.
AAMI Contents Calculator
home
Want more options?
AAMI has a range of options to cover your specific needs
Compare Home Insurance products
Frequently asked questions
Renters Insurance
block
true
suncorp:AAMI/products/home/renters