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AANT Home Contents Plus is a sum-insured contents policy for renters, with accidental damage and motor burnout included automatically, according to AANT. Its most notable listed benefits include up to two years of temporary accommodation and legal liability cover up to $20 million. Those features do not establish whether the policy is good value: CHOICE says it did not receive pricing data, and the current premium depends on your circumstances.

Insurance Australia Limited is identified as the provider by CHOICE; AANT says it distributes the policy as an authorised representative under the CGU brand. Cover, eligibility, excesses and claim outcomes depend on the current Product Disclosure Statement (PDS), your Certificate of Insurance and the sum insured you select. AANT’s Home Contents Insurance page directs customers to the policy documents.

What AANT Home Contents Plus covers

This policy insures renters’ contents for covered events, up to the sum insured and applicable benefit limits. It does not insure the landlord’s building. CHOICE’s public specifications list cover for events including theft and attempted theft, fire and bushfire, flood and rainwater run-off, storm and cyclone, storm surge, tsunami, explosion, earthquake, vandalism, riot or civil commotion, and specified cases of leaking or escaping liquid. These events are subject to the policy’s terms, waiting periods and exclusions. CHOICE’s AANT policy specifications are a useful overview, but the current PDS and Certificate of Insurance determine the actual cover.

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Waiting periods and significant exclusions

CHOICE lists waiting periods of 72 hours for bushfire or grassfire, 14 days for flood, and 72 hours for rainwater run-off and storm-related events. The public specifications also exclude action of the sea. Theft or damage by the insured, family, residents, or people entering with a resident’s consent is excluded in specified circumstances.

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Some liquid-damage claims are limited: the listed exclusions include liquid escaping from shower recesses or bases, and damage to the item that leaked. The policy also has exclusions for accidental damage, including electronic or mechanical malfunction; certain damage to sporting equipment, musical instruments or firearms while in use; and specified water-entry, animal and chemical-cleaning situations. These examples are not a complete exclusions list.

What makes Plus different from Standard

AANT says Plus includes two years of temporary accommodation, compared with 12 months for Standard, and automatically includes accidental damage and motor burnout. It also says Plus has higher limits on some inclusions, including food spoilage and landscaping. AANT’s product page describes the feature as “Plus, motor burnout and accidental damage automatically included.” The PDS sets out the conditions and limits that apply.

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Limits and extra benefits to examine

The following figures are CHOICE’s published specifications for this product, accessed in 2026. They are policy limits, not independent measures of claim outcomes. Check the current policy documents before relying on them.

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Benefit CHOICE-published limit or condition
Legal liability Up to $20 million for covered incidents in Australia, for named insureds and eligible family members living with them
Temporary accommodation and additional living expenses Up to 24 months or 20% of the sum insured, whichever limit applies; listed as additional to the sum insured
Contents in the open air Up to 20% of the sum insured
Debris removal Up to 10% of the sum insured
Food and prescription medication spoilage Up to $2,000
Visitors’ contents Up to $2,500
Jewellery, artworks and collections Up to $2,500 overall for the listed categories

CHOICE also lists optional portable contents cover for specified item groups, with up to $10,000 per item, geographic limits and a $250 excess. Optional cover for specially listed valuables is also listed. Portable cover is not automatically included, so confirm the item categories, territory and excess that apply to any option you consider.

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How claims and absence from home are handled

CHOICE says claims can be lodged online or by phone at any time, and that a settlement may involve repair, replacement or payment up to the sum insured or an applicable sublimit. The review says the insurer must be told if the home will be unoccupied for more than 60 days. It also describes conditions relating to garden care, mail and weekly checks. Read the current policy wording for the exact notification requirement and absence conditions.

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How to judge whether the policy fits

CHOICE’s 2026 comparison describes AANT Home Contents Plus (renters) as a standard sum-insured policy and a white-label IAG policy with cover identical to other brands in that comparison set, but not necessarily identical pricing. That is a limited comparison-set observation, not proof that policies or premiums are identical across the market. CHOICE’s 2026 contents insurance comparison does not provide a current quote for your address.

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CHOICE says its review scored AANT on cover because the insurer did not share price data; some ratings and comparison scores are available only to members. As a result, the public evidence does not support calling AANT cheap, expensive or a value winner.

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For a practical comparison, use the same sum insured and check:

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  • Which events are covered, and the waiting periods for flood, storm, bushfire and escaping liquid.
  • Whether accidental damage and motor burnout are included or optional.
  • The liability limit and who qualifies as an insured person.
  • The temporary accommodation period, cap and whether the benefit is additional to the sum insured.
  • Portable and specified valuables limits, geographic restrictions and excesses.
  • The standard excess, a quote for your own address and circumstances, and exclusions that matter to your belongings.

Use the current PDS and your Certificate of Insurance to verify limits, excesses and conditions; the public product summaries are not a substitute for those documents.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.