Insurance isn’t just for homeowners. If you’re a renter, you can still protect your belongings against the unexpected.
Our comprehensive Renters Insurance is designed to protect the belongings in the home that you rent. We provide a range of easy to understand benefits and discounts to help you save.
Read the Contents sections of our Household Insurance Product Disclosure Statement (PDS) for more details.
Why protect your belongings with us?
- Cover for weather events including hail, storm, flood, cyclone and more
- New for old contents replacement
- Cover against misuse of credit cards
- Emergency Home Assist - 24 hour a day help in the event of an emergency
- Choose a voluntary excess - save on your premium by increasing your excess
- Pay by the Month - cut your bill into smaller, more manageable payments
With this policy you get
The benefits listed below are a summary only and limits apply. Please refer to the PDS for full details, claim limits, exclusions, terms and conditions.
Queensland experiences its fair share of extreme weather events and we want to make sure you’re protected. We cover you in the event of:
- flood and water runoff
- storm, cyclone, hail, fire, earthquake, tsunami
- lightning and power surge
- animal damage
- impact, explosion
- theft and vandalism
- leaks - bursting, leaking, discharging or overflowing of liquids
$20 million legal liability cover
We cover you and any person who permanently resides with you at the property address, other than a boarder, for your or their legal liability up to $20 million.
Emergency Home Assist
Get immediate help in the event of an emergency with your home (e.g. burst pipes) 24 hours a day, by calling Emergency Home Assist on 1800 800 552.
Extra living expenses
If the home you are renting is deemed unfit to live in after an event, we will pay up to 10% of your sum insured for additional living expenses until it is repaired.
Security firm response
If an insured event occurs and your security firm has responded to a monitored alarm signal, we will pay up to $750 of the cost incurred by you.
We cover the cost of repairing or replacing broken glass forming part of your furniture. Exclusions exist for specific furniture items.
We will cover your contents, up to $5000 collectively, while they are in a lockable room on a student campus inside Australia.
Clean up costs
We will pay the cost of cleaning up mess or damage caused by a thief, vandal or forensic police investigation.
Loss or damage to contents in storage
Cover for contents that you store away from your home for up to 60 consecutive days.
Loss or damage to contents in transit
Loss or damage to contents in a safety deposit box
Credit card misuse
We pay certain costs you may be liable for if your credit card or other financial transaction card is lost or stolen – up to $1500 in total for each card.
If you have personal documents which are lost or damaged by an insured event, we will pay up to $1,000 to replace, restore or reproduce them.
Temporary removal of contents
We cover the contents you have with you while you are away from your home for up to 30 consecutive days. For example, if you have your camera or laptop with you in holiday accommodation such as a hotel room.
If we pay your claim for an insured event, we will also pay up to $500 towards the costs of replacing your visitor’s contents.
Removal of debris
We will pay up to $5,000 to assist you with funeral expenses if you or a member of your family dies as a result of an insured event.
Optional benefits are available with our Renters Insurance policy, allowing you to extend your coverage for an additional cost.
The benefits listed below are a summary only and limits apply. Refer to your PDS for full details, exclusions, and terms and conditions.
We will cover up to $500, for any one injury, for a veterinarian to treat your dog or cat if they are unexpectedly and accidentally injured or suffer an illness.
We cover the loss or damage to domestic electrical items due to motor burnout. Items can be up to 10 years old (e.g. fridge, oven, dishwasher).
You can choose to cover portable items for a higher value than what we cover them for under our standard policy. Portable items can include DVDs, coats and bags, jewellery, photographic equipment and more.
Your PDS outlines the two ways to cover your portable items – selected personal items or group cover. This cover extends to across Australia and New Zealand.
Cover the valuable items inside your home for more than what we cover them for under the standard policy. You can nominate the sum insured.
Save more with our discounts
We offer a great range of discounts that can significantly reduce the cost of insurance, saving you even more.
RACQ member loyalty discount
Are you an RACQ member? We’ll reward you with up to 17.5% discount on your Home and Contents Insurance based on how many years you've been with us.
If you have three or more qualifying insurance policies with RACQ, you may be entitled to up to 5% off each of your eligible policies.
No claim discount
Haven’t made a claim in the last 12 months? You may be eligible for up to 7% off your premium.
Over 55 discount
Are you 55 years old or over and an owner-occupier, tenant, or nominated insured? You may qualify for a discount of 15%. Note that you can only claim one of either the Over 55 or Senior Card Holder discounts.
Senior card holder discount
If you hold a Seniors Card, are an owner-occupier or tenant, and a nominated insured you may qualify for a 25% premium discount on contents insurance.
If you have an alarm that is monitored 24 hours a day, seven days a week you may be eligible for up to 10% off your contents premium.
Want to know more?
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Speak with our friendly staff 7days a week.
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