Top contents insurance for renters
Includes new for old replacement on most contents, as well as cover against accidental damage for total and absolute peace of mind.
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Buy online and save up to 10%†
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Top contents insurance from only $1.33 per day*
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Pay by the month at no extra charge
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14 day cooling off period
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Flexible cover where you can choose your own level of excess and optional extra cover
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New for old replacement where possible
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24hr online claims service
Hopefully nothing ever happens. But considering recent worldwide events, we think it’s better to have a back up plan just in case.
Top contents covers:
- Theft
In 2009-10 over 350,000 homes were burgled in Australia. But the scary stat is, only 67% of Australians have some form of contents insurance.
- Fire and explosion
Protects your contents against bushfire and electrical fires.
- Earthquake
On average, Australia has 200 earthquakes a year measuring 3.0 or more.
- Lightning
In the event a lighting strike burns or shorts out an electrical appliance.
- Storm, rainwater and flood*
In Queensland during 2011, more than seventy towns and over 200,000 people were affected by the floods.
- Malicious damage, including vandalism
Covers your things against intentional damage by others.
- Impact
Like a tree falling on your house.
- Bursting, leaking discharging or overflow of liquids
Covers you if a pipe bursts in the walls and damages your belongings.
- Riots, civil commotion or industrial unrest
Covers your things against damage or theft during civil unrest.
As you’d expect, our Top cover has just about everything covered.
Top contents covers:
- Accidental loss and damage
We’ve all accidentally broken something. Now we’ll cover you against it.
- Accidental glass breakage
For things like shower screens, basins, and glass fixtures.
- Legal liability to another party
Not often considered, but very important. Covers you for death, injury or property damage to someone else caused by your negligence.
- Your contents while moving at both addresses
Protects your things at your old place and your new place for 14 days.
- Your contents in Transit anywhere in Australia
Covers your contents in a vehicle when moving homes.
- Your contents if temporarily removed from your home
For when you’re at a hotel, motel, nursing home or in hospital.
- Your contents while in storage
We’ll cover your contents even if they are in storage. Additional approvals needed.
- Contents outside your home
For things like your BBQ and outdoor furniture.
- Contents in your home office
Cover for things like your computer, printer, desk and stationery.
Questions are good. It’s how you find out more, and how we improve our service. To see if we’ve already answered your question,
click here.
If you like to make sure every box is ticked, then our optional extras are for you.
For added peace of mind, add these options to your cover:
- Personal Property Australia Wide
For your extra valuable things like watches, cameras and jewellery.
- Motor burnout
Covers things like your dryer or air-conditioner from an electrical surge.
- Food spoilage
We’ll help you restock, should your freezer or fridge fail.
Please read our
Product Disclosure Statement (PDS) for full cover details, conditions, limitations and exclusions before you purchase.
† Offer only valid for new home or contents insurance policies bought online which will receive a discount of up to 10% off the premium. Purchase a combined home and contents insurance multi-policy online to receive a further discount of up to 10% off the undiscounted premium.
*Prices are based on the average per day cost of our Top Cover renters contents insurance policies.