Renters Insurance

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river or other natural watercourse. It doesn’t include high tides, waves and other movements of the sea like storm surges and we don’t cover retaining walls, sea walls, garden borders and free standing outdoor walls.

No bushfire, storm or flood cover in the first 72 hours of your policy. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Limits and exclusions apply.

Fire is considered burning with flames and also includes damage from heat, ash, soot and smoke that is the direct result of a fire within 100 metres of the insured address. Arcing, scorching and cigarette burns are not fire damage unless a fire spreads from the initial burn spot.

If there is a bushfire in your area, we will also cover the extra costs of replacing water in any tank, container, pool, spa or other water storage vessel that has been used to limit the spread of bushfires at your address, and the cost of cleaning any fire retardant off your home. The most we will pay under this extra costs cover is $1000 for any one incident.

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust. Damage caused by the sea is not considered “storm damage” on its own, but is covered if it happens at the same time as damage by the storm.

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items. We don’t cover loss or damage caused by anyone living at the address.

Accidental breakage of fitted glass in furniture and unfixed hung mirrors. This includes:

• glass in windows and other fixed glass;
• sinks, basins, baths or shower-bath combinations, cisterns and toilets;
• glass in a fixed light fitting;
• glass forming part of a:
  • a fixed cooking or heating appliance;
  • a cook top or cooking surface,

If you have contents in a secure commercial storage facility we’ll cover them for a maximum of 365 consecutive days for loss or damage by an insured event as long as the facility is lockable, only accessible by you or someone authorised by you, and is fully enclosed by walls (including doors), floor and roof.

If you’re permanently moving to a new address in Australia, we’ll cover your contents while they’re being moved, for loss or damage caused by: fire; flood; collision, overturning, accident or theft of the vehicle carrying them.

This covers you if you lose, break or damage something by accident at your home for example by dropping, knocking over or spilling something without intent.

Cover for electric motors in household equipment and appliances that are equal to or less than 10 years old when they burnout or fuse. This includes things like the motor in your freestanding fridge.

Provides cover for items normally carried with you away from home like your mobile phone, jewellery, camera, tablet or laptop. It also includes sports equipment when not in use except for your bicycle which is covered when in use providing you aren't pace-making or racing. (max $1,000 per item, and total up to your sum insured)

Provides up to $2,000 for necessary vet treatment if your pet dog or cat is injured in an accident anywhere in Australia. It doesn't include illness or pre-existing conditions but does cover things like tick bites and tick poisoning.

You'll be eligible for a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. T&Cs apply.

View Multi-policy Discount

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