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Insure your stuff for a low monthly price*

Plan A

Up to

$10K*

from

$9.99

Total annual premium from $119.88

  • Excess per event $500
  • Personal possessions $10,000
  • Guest's possessions $1,000
  • Moving transit $10,000
  • Legal liability $1 million
  • Temporary $100 per night
  • accommodation up to $2,000 total (72hr waiting period)
  • Optional cover for possessions
    temporarily removed $1,000
  • Additional cost for
    optional cover from $1.70 per month
Plan B

Up to

$25K*

from

$19.99

Total annual premium from $239.88

  • Excess per event $500
  • Personal possessions $25,000
  • Guest's possessions $2,500
  • Moving transit $25,000
  • Legal liability $1 million
  • Temporary $200 per night
  • accommodation up to $5,000 total (72hr waiting period)
  • Optional cover for possessions
    temporarily removed $2,000
  • Additional cost for
    optional cover from $3.40 per month
Plan C

Up to

$50K*

from

$29.99

Total annual premium from $359.88

  • Excess per event $500
  • Personal possessions $50,000
  • Guest's possessions $5,000
  • Moving transit $50,000
  • Legal liability $1 million
  • Temporary $350 per night
  • accommodation up to $10,000 total (72hr waiting period)
  • Optional cover for possessions
    temporarily removed $2,500
  • Additional cost for
    optional cover from $4.20 per month

Please read the Product Disclosure Statement, Key Fact Sheet and Financial Services Guide to consider whether this insurance is suitable for you.

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Can you really live without your most prized possessions?

RenterCover insures your contents, and doesn't bother you with a ton of questions. Here's why Renters love it.


Cover that moves with you

No need to change insurance when you move to a new place! Just let us know where you're going and you remain covered under the same policy.

(Not available in the Northern Territory and different premiums may apply)

Moving cover

Whether you're moving on your own or using a professional removalist, RenterCover provides coverage for when you're moving house if your possessions are damaged by fire, impact from a motor vehicle or theft.

One low price per month

And we do mean low. Go ahead, shop around, this is some of the most affordable cover in Australia.


Your RenterCover features*

Accidental damage

We cover unintentional loss or damage to your possessions.

Guest's possessions

We cover unintentional loss or damage to your guest's possessions while they are visiting you.

Moving cover

We cover your possessions while being moved to your new home if they are damaged by fire, impact from a motor vehicle accident or theft.

Cover that follows you

Keep the same policy as you move from rental to rental. No need to change insurance with every move - just let us know your new address (Not available in the Northern Territory and different premiums may apply)

Only $500 excess

Regardless of your level of cover your excess is capped at a low $500 per event. In addition the Temporary accomodation benefit has a 72 hour waiting period.

Temporary accommodation

You'll be covered for the cost of staying somewhere else if your home is uninhabitable (Subject to a 72 hour waiting period and a maximum of 30 days).

Temporarily removed items cover (optional)

Your stuff is covered (if removed for 14 days or less), no matter where you take it in Australia (subject to additional premium).


FAQs

What is RenterCover and what does it cover?

RenterCover is contents insurance for renters. Our policy is designed to cover your insured belongings, both inside and (at your option) outside your rental property. RenterCover insures your furniture, electronics, and other items against loss, theft, and accidental damage.

RenterCover also covers your insured items against loss, damage or destruction while moving between rental properties, and if you need to vacate your property because it is un-inhabitable (for example, after a break-in) RenterCover will pay for reasonable alternative accommodation up to the specified amount for up to 30 days.

RenterCover doesn't require you to get a quote – just pick your level of cover, set up your payment details, and you're covered. Then you can forget about it, because RenterCover can move with you within Australia (excluding the Northern Territory), as long as you let us know and your new home is in an area eligible for the policy.

Please note that some of these benefits outlined above are optional or limited and all are subject to terms, conditions and exclusions. Please read the Product Disclosure Statement (PDS) for full details regarding the cover available.

Who can get this insurance?

RenterCover is available renters who are 18 years of age or older, have a permanent residence in Australia, an unrestricted right of entry into Australia and fit into one of the following categories:

a) an Australian resident; or

b) on a skilled working visa (e.g. temporary skills shortage visa), but not a working holiday visa; or

c) have a partner/spouse visa which allows You to stay in Australia for at least (two) 2 years; or

d) have a New Zealand passport.

RenterCover is available in most areas of Australia (excluding the Northern Territory) – please call Chubb on 1800 958 123 to see if your area is covered.

Please read the Product Disclosure Statement (PDS) for full details regarding eligibility.

How much is renters insurance?

RenterCover offers three different levels of cover, starting from $9.99 per month/$119.88 per year with cover up to $10,000 (from $11.83 per month/$142.00 per year if you live in NSW).

Does each person in the household need a separate policy?

Your RenterCover policy will cover you and your spouse if you have one. If you live in a share house, we recommend that your housemates consider their own insurance.

What is not covered by RenterCover?

For a full list of what's covered and not covered, please refer to the Product Disclosure Statement (PDS) and policy documentation.

What plan should I select?

The level of cover you select is up to you. There are three policy options available, with cover up to $10,000, $25,000 and $50,000 respectively based on the value you wish to insure. For more information, refer to the Product Disclosure Statement (PDS).

I own a pet. Will it be covered with RenterCover?

RenterCover covers loss or damage to your personal items caused by a pet. However it doesn't cover the pet itself, or the health costs of your pet. For more information on the extent of this cover, refer to the Product Disclosure Statement (PDS).

Will I be covered for accidental damage?

RenterCover includes cover for accidental damage, subject to certain terms, conditions and exclusions. For more information on the extent of this cover, refer to the Product Disclosure Statement (PDS).

Will I be covered for portable items while I'm away from home?

For an additional premium, RenterCover provides an option to add cover for your personal possessions temporarily removed from your home for 14 days or less while in Australia. When you add this option, you will be covered for your insured items when you're away from your home subject to certain limits and exclusions. For more information on the extent of this cover, refer to the Product Disclosure Statement (PDS).

I'm going on holidays, will my possessions at home still be covered?

Certain cover is available while you are temporarily away from home, however this is subject to specific conditions and exclusions, in particular, when you are away from home for 60 or more consecutive days. Please read the Product Disclosure Statement (PDS) for full terms and conditions.

How do I make a claim?

Please download and complete the claim form. Send the completed claim form along with all supporting documents to the Chubb Claims Centre at aus.propertyclaims@chubb.com. Alternatively You can contact Chubb on 1800 958 123.

For more information on how to make a claim, please refer to page 22 of the Product Disclosure Statement (PDS).

Do I need to pay an excess if I make a claim?

An excess of $500 is payable per Event under each benefit of the Policy apart from ‘Benefit 3 - Temporary Accommodation' in which case a 72 hour waiting period applies. Please refer to the in the Product Disclosure Statement (PDS) for full details.

What if I need to cover more than $50,000?

RenterCover offers three plans with levels of cover of up to $10,000, $25,000 and $50,000. RenterCover cannot provide cover above $50,000.

Will renters insurance cover a broken TV?

An item like a TV is usually covered if it was broken or damaged as a result of an accident, subject to the terms and conditions of the Policy. The policy contains sub-limits for the amount payable for any one item depending on the plan you chose. For instance, if the TV is broken due to a technical failure, then it will not be covered. Check the Product Disclosure Statement (PDS) for information on this.

Are there any areas in Australia that are not covered by RenterCover?

Yes. If you're located in the Northern Territory, then RenterCover is not available. Otherwise cover is available in most areas of Australia – please call Chubb on 1800 958 123 to see if your area is covered.

Do any of my belongings need to be listed separately on my policy?

No, you don't need to list your items separately when setting up the policy and sub-limits apply per item, which vary depending on your level of cover. But if you make a claim, you will need to provide:

a) receipts for any expenses that are being claimed;

b) any reports that have been obtained from the police, a carrier or other authorities about an accident, loss or damage; and

c) any other documentary evidence required by Us under Your Policy; and

d) additional evidence that We may request to enable Us to assess Your claim.

Sub-limits per item apply depending on your level of cover

I'm moving home. What do I need to do?

It's important to let us know when you move home so we can update your policy with your new address before you move. To do this, contact Chubb directly on 1800 958 123. Cover at your new address is subject to the terms and conditions of the Product Disclosure Statement (PDS) and cover is not available in the Northern Territory.

*RenterCover insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020; AFSL 239687) and distributed by Rent.com.au (Operations) Pty Ltd (ABN 23 001 642 020; Authorised Representative Number 001261938). Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Terms, conditions and exclusions apply. Certain benefits are subject to per item sub limits. Please read the Product Disclosure Statement, Key Fact Sheet and Financial Services Guide to consider whether this insurance is suitable for you. If you have any questions about RenterCover you can contact Chubb on 1800 958 123.

† NSW policies attract a higher premium (from $11.83 per month/$142.00 per year to $34.67 per month/$416.00 per year) due to taxes in that State.