Understanding Your Renters Contents Insurance
With Allianz Renters Contents Insurance, you have the flexibility to choose what kind of cover you need.
Even our basic package (The Basics) includes benefits and cover for a broad range of situations. Take a look at our straightforward guide and discover what you can get with your Renters Contents Insurance.
What does my Renters Contents Insurance policy cover?
If you’re living in rented accommodation, it’s up to you to insure your personal possessions. This includes laptops, mobile phones, jewellery, clothes and more.
When you have Renters Contents Insurance and your possessions are damaged, destroyed or stolen, you can claim back some or all of the value with Allianz if the claim is valid.
Your insurance policy covers your possessions in natural, accidental or malicious events, including:
- Fire, theft, flood, explosion, storm and lightning
- Smoke damage caused by faulty heaters and cooking appliances in your home
- Escape of water from any plumbing or heating system, fixed water appliance or domestic appliance
- Vandalism or malicious damage
- Accidental damage to audio and audio-visual equipment up to €1,300
For full details of covers, exclusions, terms, conditions and limitations, take a look at our Household Policy Document.
The Basics Package Cover
Cover your possessions damaged or destroyed by fire or smoke. Fire Brigade charges up to €2,000 are also included in your insurance.
- Storm and flood
Cover your possessions damaged or destroyed by a storm or flood. If trees fall as part of a valid insurance claim, the cost of removing them is also covered.
- Escape of water
Cover your possessions damaged or destroyed by a sudden escape of water. This can be caused by burst pipes, a broken washing machine and other plumbing issues in the home. You are not covered if your property is unoccupied for more than 35 days in a row. Damage caused by gradual leaks from baths, showers, sinks or toilets is also not covered.
Cover your possessions damaged, destroyed or stolen when a burglar forces their way into your home. Your possessions are also covered in the event of an attempted burglary. The cost of replacing stolen external door keys is covered. You are not covered if your property is unoccupied for more than 35 days in a row.
|Benefit||The Basics||A more complete package|
|Emergency Home Assistance|
If you have a sudden situation like a water leak or if you’re locked out, Allianz are here 24/7/365 to help and prevent any further damage to your home. Costs of the call out, labour and materials are covered (up to €300 per incident, four times per year). More information here.
|Audio and Audio Visual Equipment|
Covered up to €1,300 automatically. Excludes loss or damage to records, audio, video or computer discs, tapes or cassettes, CDs, DVDs, console games, hearing aids and loss or damage caused by pets. Only applicable to Contents cover.
|Home Office Equipment|
Cover up to €4,000 for your computers, printers, scanners and other home office equipment.
10% more cover for your possessions in December and January.
10% more cover for your possessions for the month before and the month after your wedding day. Simply let us know when you’re getting married to get this increased cover at no extra cost.
Cover up to €400 if something you buy is damaged between the shop and your home. Stealing or attempted stealing from unattended vehicles is only covered in the circumstances outlined in your policy document.
|Fire Brigade Charges|
Charges covered up to €2,000, as part of a valid insurance claim.
Cover up to €1,300 for visitor’s possessions damaged or destroyed in your home.
Cover for any of your possessions in the event of an everyday mishap. For example, if a visitor spills coffee on your rug. Take a look at the Policy Document to see what exclusions apply.
|Unspecified All Risks Cover|
Cover for everyday possessions you bring with you outside the home, including clothing, sports equipment and jewellery. Each item is insured for up to €2,000, with no excess.
Get extra cover for cash sums of up to €765 per year.
Specified All Risks Cover
Insure up to six personal possessions outside the home, including your phone, jewellery, bicycles and other valuables. The maximum value for each specified item is €10,000 and the total value of all your specified items cannot be more than €20,000.
Specified All Risks items can be tailored to either package as an optional extra.
Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. Please take time to read our Home Insurance Policy Document and to ensure that you understand the cover provided.
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