Renters Insurance FAQs

Renters Insurance FAQs

Got a question about Allianz Renters Insurance? Then read on to find out the answers to some of our customer’s most common queries.

Please note: Our home insurance policy document is available at the bottom of the page for you to download.

• What is Renters Insurance?

  Renters Insurance (also referred to as “contents only insurance”) is like a safety net for people living in rented accommodation. Tenants buy it just in case something happens to their possessions, including laptops, jewellery, phones and more. If you have Renters Contents Insurance with Allianz and one or more of your possessions are damaged, destroyed or stolen, you can make a claim to get back some or all of the value if the claim is valid.

  For more details on Allianz Renters Insurance please check out Home Insurance Policy Document (contents insurance section).

• Is there a difference between Renters Insurance and Tenants Insurance?

  No, Tenants Insurance is simply another term for Renters Insurance. At Allianz, our product is called Renters Contents Insurance.

• Does a landlord’s Homeowners Insurance cover renters’ possessions?

  No, Landlords Insurance does not cover your possessions. It’s the responsibility of renters to get their own contents insurance, in other words Renters Contents Insurance. The person who pays Renters Insurance is the tenant, not the landlord.

• Is Renters Insurance Necessary?

  The answer to the question, “Do I need Renters Insurance?” is a personal one. That’s because Renters Insurance isn’t mandatory or required by law.

  You should get Renters Insurance if you want to cover your personal possessions if there’s a burglary, flood, fire or other sudden event. Always remember that the person who needs Renters Insurance is the tenant.

• How to get Renters Insurance

  If you’re a first timer, you might be wondering how to get Renters Insurance for an apartment or a house. The answer is the same in both instances – simply fill in some details online about you, your home and what you want to cover. You’ll get a quote in just a few minutes and then you can decide if you want to take out the policy or not. You can get a quote with Allianz here.

• Where to get Renters Insurance?

  There are a lot of Insurance Companies out there that offer Renters Insurance, so it can be confusing picking somewhere. Here are some of the main qualities your insurance company should have:

  • A well-known name and a good reputation
  • The cover you need for your possessions
  • Straightforward claiming process
  • Excellent customer service

• How much does Renters Insurance cost?

  The cost of Renters Insurance in Ireland depends on what you want to insure, the type of home you live in and your area. For most people, Renters Insurance usually costs about the same as four or five cups of coffee a month.*

  To find out exactly how much Renters Insurance costs for an apartment or house that you’re renting, simply fill in your details online and get a quote in minutes.

  *Based on average cost of Allianz Renters Insurance cover in Ireland for “The Basics” bundle and “A more complete package” bundle of €9.72 and €15.08 respectively.

  You can get a personalised quote here.

• How does Renters Insurance work?

  Renters Insurance covers the damage or loss of your possessions if something sudden happens, like a burglary or a flood. It also covers liability claims made against you.

  At Allianz, even basic Renters Insurance ("The Basics" bundle) covers a lot of different types of things. For example, it covers your possessions, up to a certain value, that are damaged, destroyed or stolen in your home.

  As well as that, The Basics Renters Insurance covers accidental damage to your TV. You can also claim for temporary housing and additional living expenses if there’s a fire or similar and you can’t live in your home.

  If you want, you can also get extra cover for high value items, for example bicycles and jewellery.

  You can read more on our Renters Insurance Cover Information page here.

• Does Allianz Renters Insurance cover theft outside the home?

  Yes, Allianz Renters Contents Insurance policy cover theft outside the home. To include this, add Specified or Unspecified All Risks Cover to your Allianz Renters Insurance "A More Complete Package" bundle.

  These products have the added benefit of having no excess.

  You can read more on our Renters Insurance Cover Information page here.

Your personalised quote is just minutes away

Interested in getting Renters Contents Insurance? Fill in our short online form, add any extras you need and get your personalised quote in minutes.

Save 20% on a new policy online today! Offer ends 26/11/19.