Renters Insurance

If you’re a renter looking for insurance to cover your belongings, GIO Contents Insurance could help.

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Est. in 1927

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Flood

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.

Overview

What is Contents Insurance for renters?

If you’re renting, Contents Insurance could help cover valuables like appliances, furniture, and jewellery if they’re lost or damaged by insured events such as storms, theft, fire or flood#. You could also be covered for reasonable temporary accommodation costs if the building becomes unliveable due to damage.

Fire (Including Bushfire)

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

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.

Flood

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.

Theft or Burglary

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 Glass

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,

Contents in Commercial Storage

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.

Contents in Transit

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.

What’s covered

For a complete list refer to the PDS

Some of the things we don’t cover

  • Damage to the home building
  • Injury to pets or animals, but you can pay to add Optional Cover for injury to pet dogs and cats.
  • Anything defined as the home, such as walls and building fixtures
  • Plants, trees, shrubs and hedges in the ground, unless you have Classic Extras or Platinum cover
  • We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

For a complete list, see section 3 ‘Things we don’t cover’ in the PDS


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Optional Covers with GIO Contents Insurance

Depending on the level of cover chosen, optional cover may be included in the policy or they may incur an additional premium. In some case the optional cover will not be available with the level of cover chosen. For example:

Accidental Damage at Home

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.

Accidental damage at home

(Automatically included with Classic Extras and Platinum)

Motor Burnout

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.

Motor burnout

(Automatically included with Classic Extras and Platinum)

Portable Valuables

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)

Portable valuables

(Contents cover only automatically included with Classic extras but not available with Platinum)

Injury to Pet Dogs and Cats

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.

Injury to pet dogs and cats

(Contents cover only)

Compare the three levels of Contents Insurance to see what’s included or read the PDS for more details. Limits, exclusions and conditions apply to these optional covers.

WAYS TO SAVE

Discounts we offer and things to check

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10% multi-policy discount*^

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. View T&Cs.

Multi-Policy Discount

10% online discount*

Get 10% Off Your First Year When You Buy Online!*

Your excess

You can choose to lower your premium by increasing your excess within a range we set. This means your premium will be cheaper, but you’ll face higher out-of-pocket costs in the event of a claim. It’s up to you to decide on a balance that suits your needs.

Payment frequency

If you pay your premiums annually, you’ll pay less than if you were to pay in monthly instalments for the same period.

Review your optional covers

Check the optional covers you have selected still meet your needs. Adding or removing an optional cover can impact the premium you pay.

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FAQs

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Important information

*If you’re eligible for more than one discount, we apply them in a pre-set order to the discounted premium, before government taxes and charges.
^Discount not applicable to GIO Roadside Assist, GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.
#No bushfire, storm, storm surge, flood or tsunami 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.

Flood

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 (Including Bushfire)

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

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

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 Glass

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,

Contents in Commercial Storage

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.

Contents in Transit

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.

Accidental Damage at Home

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.

Motor Burnout

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.

Portable Valuables

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)

Injury to Pet Dogs and Cats

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.

10% MULTI-POLICY DISCOUNT*^

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

SAVE 10% FIRST YEAR ONLINE DISCOUNT*

Get 10% Off Your First Year When You Buy Online!*