Getting the right cover for your contents while you live in somebody else’s property is easy with COTA Contents Insurance for renters.
Fire7 & smoke.
Water or other liquid damage.
Theft or burglary.
Explosion.
Accidental breakage of glass or ceramic items.
Impact damage.
Vandalism or malicious damage.
Lightning.
Earthquake8 or tsunami8.
Flood and/or run-of7
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
The motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
If you are renting, have you considered how much it would cost to replace all the contents in your home if they were destroyed by fire7 or storm7? Or in the event of theft or burglary? COTA Contents Insurance can help you insure your belongings from loss or damage caused by insured events such as fire7, theft and storm7.
Cover for your belongings from damage caused by fire7, theft, storm7, and flood7.
Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.
Here is a limited summary of the benefits of a contents insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Home Product Disclosure Statement (PDS), any applicable supplementary PDS before deciding to purchase the insurance. The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover.
| Inclusion | Description | Included |
|---|---|---|
| Cover when you’re moving | COTA Contents Insurance will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover). |
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| Additional costs of alternative accommodation for your pets | If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, COTA Home and Contents Insurance pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months. |
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| Debris removal | In addition to your contents sum insured, COTA Contents Insurance will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event. |
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| Emergency contents storage | If your home buildings are damaged by an insured event and is unable to be lived in, COTA Contents Insurance for Renters will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months and the remaining balance of your contents sum insured after payment of claim. |
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| Cover for the unexpected | COTA Contents Insurance for Renters offers cover for out of the ordinary but devastating events such as fire7 including bushfire7 and grassfire7, earthquake8 and burglary. |
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| Cover for storm damage | Covers loss or damage caused by storm, cyclone7 or rainwater but this does not include run-off. |
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| Food or medicine spoilage | If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, COTA Insurance will pay for you to replace it. If you claim for this benefit, an excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government, or the Insurance Council of Australia) the maximum Allianz will pay is $500. No excess will apply. |
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| Guest, visitor and domestic helper property | COTA Contents Insurance will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured) if it is lost or damaged as a result of an insured event that you are claiming for. |
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| Legal liability | COTA Insurance will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot. |
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| Accidental breakage cover for your rental property | COTA Insurance will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage. |
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| Inclusion | Description | Included |
|---|---|---|
| Accidental damage | The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents. | Optional |
| Portable contents | Optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home. | Optional |
| Motor burnout | The motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover. | Optional |
| Domestic workers’ compensation cover | Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS. | Optional |
Contents – what’s covered?
Contents insurance insures the belongings you have at the insured address from your furniture, carpet and appliances and even your BBQ.
So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided the calculator. It works as guides to help you estimate the replacement value of your home contents.
Do what you reasonably can to prevent any further loss, damage, or liability.
Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, or burglary.
Start your Home Insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 1300 651 777 to submit your claim.
The claims consultant will help you through the Home and Contents Insurance claims process.
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents Key Fact Sheet/s also available for reference.
Accidental Damage is optional and provides cover in the event of damage caused by unexpected mishaps that are caused unintentionally, not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
COTA Insurance will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the portable contents optional cover. These items must be specified on your policy as Listed portable contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting COTA Insurance on 1300 1300 50. If you’re not sure whether you have added these cover options, you can check your policy schedule.
Your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.
Flood cover is a Standard inclusion for all Home and Contents Insurance policies that start from 14 January 2025.
For Home and Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:
You previously opted out and met certain flood risk criteria,
We weren’t able to offer you flood cover,
We’ve agreed you can opt-out of flood cover as standard.
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
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