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Defence Bank’s Home Contents Plus is a renters contents-insurance option arranged by Defence Bank and issued by Insurance Australia Limited under the CGU brand. Its public summary highlights automatic accidental-damage and motor-burnout cover, and up to two years of temporary accommodation after a covered event leaves the home unliveable. Those features may suit renters who want broader cover, but the summary is not the policy contract: check the current Product Disclosure Statement (PDS), your quote and your certificate before deciding.
What is Defence Bank Home Contents Plus for renters?
Defence Bank offers a standard Contents option and Contents Plus. Contents insurance is intended to cover belongings against specified incidents; it does not insure the building itself. Defence Bank says Contents Plus includes contents replacement cover, automatically includes accidental damage and motor burnout, and increases some inclusion limits. The bank’s overview describes these features at Defence Bank’s Building and Contents Insurance page.
For renters, the bank says contents insurance can pay reasonable extra rent costs for temporary accommodation if a covered event makes the home unliveable. That benefit is conditional: the event and circumstances must meet the policy terms, and limits and exclusions apply. The public summary is not an individual quote, policy schedule or claim decision.
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What does Contents Plus publicly say it covers?
Defence Bank’s overview lists theft and vandalism, fire, flood, rainwater runoff, storm, storm surge and tsunami among the covered event categories. These are summary-level descriptions, not a guarantee that every loss associated with one of those events is covered. The same overview expressly excludes actions of the sea, such as tides and waves. Read the relevant definitions, conditions and exclusions in the policy wording before relying on any event description.
#1 Best Overall
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Accidental damage and motor burnout
The bank says accidental damage and motor burnout are automatically included with Contents Plus. Its public summary does not establish every qualifying circumstance or exclusion, so check the current PDS for the scope of each benefit.
Temporary accommodation
Defence Bank describes up to two years of temporary accommodation under Contents Plus if a covered event makes the home unliveable; the standard Contents option is described as providing 12 months. For renters, the bank specifically refers to reasonable extra rent costs. The exact contractual meaning of “unliveable,” what counts as reasonable extra rent and any applicable cap or other conditions must be checked in the current policy documents.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Food spoilage
The public overview says food spoilage has no excess and lists a limit of up to $2,000 for Contents Plus, compared with up to $500 for standard Contents. These are stated product limits, subject to policy terms. Check the PDS for the precise circumstances and definitions.
Belongings taken away from home
Portable contents is an optional add-on for items taken away from home. The overview gives a general limit of up to $10,000 per item unless the item is separately listed for more. It also notes restrictions for items taken outside Australia or New Zealand and exclusions that include scratches and dents, items being cleaned or repaired, and certain equipment while in use. Confirm whether the cover suits the item, activity and destination you have in mind; do not assume ordinary contents cover follows belongings everywhere.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
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- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
What should renters check before choosing it?
Estimate the replacement cost of your belongings
Choose a contents sum insured based on what it would cost to replace your belongings, not their original purchase prices. Defence Bank recommends making a room-by-room inventory. For larger electronics, it suggests recording details such as the model, production date, serial number, value and purchase price. A notebook, spreadsheet or list on your phone can all help you build and update the inventory. Its guidance is on Defence Bank’s Building and Contents Insurance page.
Get the actual premium and excess
The public overview does not establish your premium or the excess that would apply to your policy. Use a current quote and check the certificate for the amounts and any differences by claim type. A price or excess from another household’s quote would not tell you what you will pay.
Rank #4
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- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
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Decide whether portable cover is necessary
List items you regularly take outside the home, then check whether they need the optional portable contents add-on or separate listing. Review the per-item limit, territorial restrictions and exclusions against how and where you use each item.
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Read the accommodation benefit as a renter
Check how the policy defines a covered event, an unliveable home and reasonable additional rent, as well as the applicable duration and any monetary cap. The overview’s stated duration is not a substitute for those contract details.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- 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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- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
Check claims, exclusions and settlement terms
Use the current PDS, certificate and insurer’s instructions to understand claim conditions, evidence requirements, settlement method and exclusions. Defence Bank’s disclosure index links a Home Insurance PDS and a Premium, Excess and Discounts Guide; the PDS endpoint could not be retrieved for this review, so its current detailed terms cannot be verified here. The bank itself advises: “Read the Product Disclosure Statement to see exactly what’s included.” Start with the product overview and follow its links to the current disclosure documents.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What are the main strengths and limitations?
| Area | What the public information supports | What to verify |
|---|---|---|
| Contents Plus features | Accidental damage and motor burnout are described as automatically included. | Definitions, exclusions and qualifying circumstances in the current PDS. |
| Temporary accommodation | Up to two years for Contents Plus, compared with 12 months for standard Contents; renters may receive reasonable extra rent costs after a covered event makes the home unliveable. | How the benefit is triggered, what costs qualify and any cap or other conditions. |
| Food spoilage | No excess is stated; the listed limits are up to $2,000 for Plus and up to $500 for standard Contents. | Eligibility, definitions and all applicable policy limits. |
| Portable belongings | Optional cover is available; the general per-item limit is up to $10,000 unless separately listed for more. | Whether an item must be listed, and the territorial, activity and item exclusions. |
| Price and claims | Not stated in the public summary for an individual renter. | Live quote, certificate, current PDS and insurer claim instructions. |
The practical advantage is that the bank’s summary identifies several useful features for renters, including accidental-damage cover at the Plus tier and a longer stated accommodation period than standard Contents. The principal limitation for a buying decision is that the summary does not establish the detailed terms, personal price or likely claim outcome. Defence Bank discloses that it receives commission when selling CGU insurance products; consider that disclosure when assessing the bank’s product information, rather than treating the page as an independent endorsement. See Defence Bank’s insurance page.
How to compare it with another renters policy
Compare policies using the same replacement-cost estimate and household details. Look beyond the headline premium: a lower price may come with a different excess, narrower cover or lower limits. Compare the contract terms across these points:
- Insured events and exclusions, including how the policy treats water and storm-related losses.
- Whether accidental damage is included, optional or excluded.
- Portable belongings: optional-cover requirements, per-item limits, territorial scope and activity exclusions.
- Temporary accommodation: trigger, duration, monetary cap and definition of reasonable costs.
- Food spoilage, valuables and other item sublimits.
- Excesses by claim type, premium for the same sum insured and household, and claim settlement terms.
Do not infer value from a product summary alone. The current PDS and your quote and certificate are necessary to compare the actual contractual cover and cost.
Quick Recap
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.
