Renters Insurance
Cover for the valuables and belongings you can’t go without while you’re renting.
Renting? We’ve got you covered
From your furniture, rug and appliances, to your BBQ and even your clothes, shoes and handbags – accidents happen. Our cover and extras can repair and replace your contents up to the policy limits.
Summary of benefits
Highlights of our contents cover
Flood, fire or storm
Your eligible contents are covered for loss and damage caused by storms, lightning, hail, fires, floods and water runoff.
Theft or vandalism
Get covered for the cost of replacing eligible stolen or vandalised contents with new ones.
New for old
Get covered for the replacement of eligible contents at the item’s value today, not its depreciated value.
Flatmates
If you live with flatmates, add them to your policy to have their contents covered too.
Home office
Cover for eligible damage to your equipment with up to $20,000 of home office cover.
Water damage
If your home and things are damaged by water, we’ll cover clean up and repair costs.
In transit
Get covered when contents are lost or damaged while in transit to your new home.
Visitor contents
If you have friends and family staying over, we’ll cover their belongings for up to $500.
Counselling services
After an insured event, get cover for counselling services with a registered practitioner.
Optional cover
Extra cover you can add to your policy
Accidental damage
Cover for damage or loss to your eligible contents due to an accidental event that occurred at home.
Mobile phones
Keep connected with cover for lost or damaged mobile phones up to the agreed sum insured.
Individual items
Extra protection for your most valuable items that goes beyond your included contents cover.
Small business
Cover eligible for lost or damaged equipment or stock used to run your small business up to $20,000.
Away from home
Cover for your eligible contents when you’re on the move anywhere in Australia and New Zealand.
Motor burnout
Repair or replacement for the burnout of electric motors in appliances under 10 years old.
These are only some of the highlights and benefits of our cover options for renters. Terms and conditions apply. Please refer to the Product Disclosure Statement{external-link} (PDS) for details on insured events that can impact claims, as well as other exclusions and limitations.
Claims, anytime anywhere
Some claims can’t wait. Make a claim online anytime and our claims team will be ready to support you.
Frequently asked questions
What is renters insurance, and why is it important?
What am I covered for?
My contents aren’t worth that much. What is the point in having insurance cover?
What insurance should I get if I am a tenant?
How much should I insure my contents for?
We aren’t able to provide you with advice on the replacement costs of your contents or how much to insure it for. Instead, we use the information you give us and data sourced from third parties to recommend an amount of cover you should have. You should use this recommendation as a guide only.
Your contents sum insured should include items such as fixtures and fittings (e.g. carpet, blinds, curtains), furniture, electrical goods, and all personal items. Items of value that you want to list on your Certificate of Insurance – such as jewellery, media or artworks – should also be included in the overall sum insured.
We recommend that you use a contents calculator to determine independently an appropriate sum insured for your needs, which you can then compare to the guide provided by us during your quote.
Useful links
Important information
The Virgin Money Insurance suite of products is distributed by Honey Insurance Pty Ltd ABN 52 643 672 628, AFSL 528 244 and issued by RACQ Insurance Limited ABN 50 009 704 152, AFSL 233 082. Conditions, limits and exclusions apply.
Virgin Money Australia is a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616 (Virgin Money). Virgin Money and its related bodies corporate do not guarantee or otherwise support the issuers of the insurance, nor the insurance products.
Any advice is general advice only and does not take into account your personal objectives, financial situation or needs and may not be right for you. You should read the relevant PDS, any applicable SPDS and TMD available at insurance.virginmoney.com.au/documents before making any decision.
If you purchase a general insurance product, Virgin Money is paid a commission which is a percentage of your premium. Details are provided in the Virgin Money Financial Services Guide by clicking here.
Our privacy policy outlines how we handle your personal information, and also explains how you can access your details, seek corrections and make complaints. View Virgin Money’s Privacy Policy here.