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Australia: Allianz Renter Insurance is a contents policy for renters, with cover for listed insured events, some fixtures a tenant is legally responsible for, and legal liability cover up to A$20 million. Whether it suits you depends on the policy limits, exclusions, optional cover and quote—not a published price or rating. Read the current Product Disclosure Statement (PDS) and compare equivalent quotes before deciding.

What does renters insurance cover?

Allianz Australia describes its Renter Insurance as cover to repair or replace belongings at a rented home. Its product summary lists cover for theft or burglary, fire or smoke, bushfires and grassfires subject to conditions, storm, cyclone and rainwater, flood or run-off, sudden escape of liquid, lightning, impact, earthquake or tsunami, accidental breakage of certain glass or ceramic items, vandalism, explosion, and riot or civil commotion. These events are subject to policy definitions, limits and exclusions; the summary is not the full contract. See Allianz Australia’s Renter Insurance summary.

This is contents protection for a tenant, not the landlord’s building insurance. Allianz says the policy may also cover some fixtures, fittings and structures for which the tenant is legally responsible under the lease. Check the PDS and your lease to establish what you are responsible for.

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Liability and temporary accommodation

Allianz lists legal liability cover up to A$20 million. It also describes temporary accommodation when insured damage makes the rented home uninhabitable. The product summary sets alternative accommodation at up to 10% of the general contents sum insured per claim, subject to policy terms. The amount available in a particular claim depends on the policy wording and circumstances.

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Moving house

Allianz describes cover for contents at both the old and new Australian addresses for up to 14 days after the move begins. Contents in transit are not covered. Confirm the timing and conditions in the current PDS before relying on this benefit.

What Allianz Renter does not automatically cover

Allianz’s summary lists wear and tear and existing defects among exclusions. It says accidental damage is not covered unless added as optional cover. It also describes exclusions for some damaged screens, items while in use, and damage caused by pets or pests, with stated exceptions. These are examples, not a complete list. Read the exclusions and definitions in the applicable PDS and any supplementary PDS.

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Catastrophe waiting period

Allianz says a 72-hour exclusion period may apply to losses from certain cyclone, flood, grassfire and bushfire events during the first 72 hours after buying the policy or increasing cover. The rule is conditional, so check the current wording for the event, timing and any applicable exceptions. Allianz’s Renter Insurance summary and conditions information should be read alongside the PDS.

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How claims and replacement may work

CHOICE’s Allianz Renter listing says Allianz may repair or replace damaged items, or settle a claim up to the sum insured or an applicable sublimit. CHOICE also notes that new-for-old replacement excludes mobile phones and tablets, which may instead be replaced with refurbished models. Its summary reports a possible additional excess if the home has been unoccupied for more than 60 consecutive days. These details should be checked against the buyer’s current policy documents; they are not a substitute for the policy wording.

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Optional portable contents cover

CHOICE identifies optional portable contents cover and lists limits in its review. The available information does not establish that every item, location or circumstance is covered. Check the current policy documents for eligible belongings, geographic scope, item limits, excesses and any conditions before assuming cover applies away from home.

What to compare before getting a quote

A general review cannot establish whether Allianz is good value for your circumstances: a current quote and comparable pricing evidence are not available here. Compare live quotes using equivalent cover rather than headline premiums alone.

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  • Set the same contents sum insured for each quote and check special-item sublimits.
  • Compare the insured events and exclusions, including whether accidental damage is included or optional.
  • Check portable contents cover, including its limits and geographic scope.
  • Compare standard and compulsory excesses, and any excess tied to an unoccupied home.
  • Check catastrophe waiting periods and conditions.
  • Compare replacement terms, including exceptions for phones and tablets, liability limits, and temporary accommodation.
  • Compare the premium only after matching limits, excesses and optional covers.
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What independent evidence says

CHOICE lists Allianz Australia Insurance Limited as the provider and summarizes coverage and claims information. Its Expert Rating, cover score, price score and customer satisfaction fields are member-only in the available listing, so those scores cannot support a rating or value verdict here. No customer satisfaction result, claims acceptance rate or average premium should be inferred from the listing.

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  • Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
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  • HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
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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.