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Retrieve an existing quote

Ray White tenant insurance offers

30%

Receive up to a 30% No Claim Bonus1,2

Pay by the month at no extra cost3

Legal liability cover up to $20 million

See more benefits and 

As a tenant in a rental property, it’s sometimes hard to know what you need to cover and what you don’t. As you don’t own the buildings, you don’t need to worry about buildings insurance, but you may wish to cover your personal items and any items you’re legally responsible for under your lease agreement.

Ray White tenant insurance benefits:

  • New for old replacement where the insurer agrees to replace your contents such as TV, furniture & computers
  • Optional Personal Effects cover for portable items you take with you away from home4
  • Option to set a replacement value for your most valuable items
  • Legal liability cover of up to $20 million
  • Veterinary costs up to $500 if your dog or cat is injured in a road accident
Benefit Classic Home Insurance Prestige Home Insurance
New for old replacement where the insurer agrees to replace your contents
Legal liability cover Covers your legal liability for payment of compensation in respect of:
  • death, bodily injury or illness, and/or
  • physical loss of or damage to property, caused by an accident or series of  accidents attributable to one originating cause
Up to $20,000,000 Up to $20,000,000
Fusion (burnout of electric motors) If the electrical current damages a household electrical motor (including sealed or semi-sealed refrigeration units) the insurer will either pay the reasonable cost to rewind the motor or replace the motor. Motors up to 10 years old Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards If your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card, the insurer will pay up to the limit specified for any one occurrence of loss or theft of one or more of your cards. Up to $5,000 Up to $5,000
Guests', visitors' and domestic helpers' property Covers property belonging to your guests, visitors or domestic helpers if they are  lost or damaged by an insured event whilst it is in your home, provided that the insurer would have paid the claim if the property had belonged to you. Up to $5,000 Up to $5,000
Spoilage of refrigerated / freezer food Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
  • breakdown or failure of the unit or any of its components;
  • escape of the refrigerant or fumes; or
  • accidental failure of the public electricity supply to the buildings
Up to $500 Up to contents sum insured unless caused by a declared natural disaster in which case, limited to $500 but no excess payable
Compensation for fracture Benefits vary depending on the bone(s) fractured – see PDS for details Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Temporary removal of contents from your risk address Covers your contents for loss or damage by an insured event, when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum period of up to 90 days. Up to 20% of contents sum insured:
  • while kept inside where you are temporarily residing; or
  • anywhere else in Australia or NZ but excluding theft
Sub-limits apply for listed contents. See PDS for details.
  • Up to 20% of contents sum insured, while kept inside where temporarily residing; or
  • Up to $7,500 for contents anywhere else in Australia or NZ
  • Sub-limits apply for listed contents. See PDS for details.

    This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

    To review the Key Facts Sheets available for our tenants contents covers click here.

    Benefit Classic Home Insurance Prestige Home Insurance
    Replacement of locks and cylinders Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated. Up to $1,000 Up to $2,000
    Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details) Includes contents at your risk address which are located:
    • in the open air, or
    • under an open-sided structure or carport, or
    • on a patio or verandah, or
    • in or on a motor vehicle, caravan, trailer or watercraft,
    • in a tent, or
    • in an unlocked garage, shed or storage room
    Tax audit Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office. Up to $5,000 Up to $5,000
    Legal defence costs Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance. Up to $5,000
    Security firm attendance Covers fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if the insurer has agreed to pay a claim for burglary, housebreaking or theft. Up to $500 Up to $500
    Veterinary costs Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident. Up to $500 Up to $500
    Transit to your new place of residence Covers loss or damage to your contents caused by:
    • fire, collision and/or overturning of the conveying vehicle; or
    • theft from the conveying vehicle;
    while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:
    • to your new intended risk address; or
    • to or from a furniture storage facility
    whichever is the greater distance.
    Emergency storage of contents Covers the reasonable costs to move and store your contents for up to 12 months if the buildings are rendered unlivable by an insured event. Limited to the  balance of any sum insured remaining after payment of your claim for damage to your contents Limited to the  balance of any sum insured remaining after payment of your claim for damage to your contents
    More
    Automatic indexation of sums insured If you make a claim during the period of insurance, the sum insured for your contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.
    Compensation for death $10,000 will be paid to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury  caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury. $10,000 $10,000
    Contents in a safe deposit box at a bank (excludes cover for theft) Covers your contents for loss or damage when they are kept in a safe deposit box at a bank. Covered if the loss or damage was due to an insured event, up to a total amount of:
    • $500 for money, cheques and other negotiable instruments; or
    • 20% of your contents sum insured for all other contents
    Sub-limits apply for selected contents.
    Covered if the loss or damage was due to an insured event, up to a total amount of:
    • $1,000 for money, cheques and other negotiable instruments; or
    • 20% of your contents sum insured for all other contents
    Sub-limits apply for selected contents.
    Optional extras (An additional premium applies)
    Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
    • at the home address;
    • anywhere else in Australia and New Zealand; and
    • for up to 35 days overseas
    Available only in conjunction with contents cover.
    Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
    • travellers’ suitcases and bags, handbags, briefcases, wallets and purses;
    • clothing;
    • jewellery, watches or items containing silver or gold;
    • cosmetics and toiletries;
    • clocks;
    • sporting equipment;
    • musical instruments;
    • photographic or video equipment;
    • binoculars or telescopes;
    • writing instruments;
    • spectacles and sunglasses;
    • personal audio and video equipment; and
    • pocket calculators.
    Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
    • at the home address;
    • anywhere else in Australia and New Zealand; and
    • for up to 35 days overseas
    Available only in conjunction with contents cover.
    Can cover:
    • portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
    • portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items)
    Domestic Workers’ Compensation cover Only available in the ACT, WA and TAS.
    Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.

    This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

    To review the Key Facts Sheets available for our tenants contents covers click here.

    Online, any time

    A convenient way to make a tenant insurance claim is via the online claim form. You can submit your tenant insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

    All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

    Make a claim

    • Secure form
    • No phone queues
    • Immediate confirmation number for your reference

    Over the phone - 24 hours a day, 7 days a week claims hotline

    You can also call 1800 221 773 and a consultant will help you with the claims process.

    To review the Key Facts Sheets available for our tenants contents covers click here.

    Key benefits

    Benefit Classic Home Insurance Prestige Home Insurance
    New for old replacement where the insurer agrees to replace your contents
    Legal liability cover Covers your legal liability for payment of compensation in respect of:
    • death, bodily injury or illness, and/or
    • physical loss of or damage to property, caused by an accident or series of  accidents attributable to one originating cause
    Up to $20,000,000 Up to $20,000,000
    Fusion (burnout of electric motors) If the electrical current damages a household electrical motor (including sealed or semi-sealed refrigeration units) the insurer will either pay the reasonable cost to rewind the motor or replace the motor. Motors up to 10 years old Motors up to 12 years old
    Credit cards - cover for fraudulent use or lost or stolen cards If your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card, the insurer will pay up to the limit specified for any one occurrence of loss or theft of one or more of your cards. Up to $5,000 Up to $5,000
    Guests', visitors' and domestic helpers' property Covers property belonging to your guests, visitors or domestic helpers if they are  lost or damaged by an insured event whilst it is in your home, provided that the insurer would have paid the claim if the property had belonged to you. Up to $5,000 Up to $5,000
    Spoilage of refrigerated / freezer food Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
    • breakdown or failure of the unit or any of its components;
    • escape of the refrigerant or fumes; or
    • accidental failure of the public electricity supply to the buildings
    Up to $500 Up to contents sum insured unless caused by a declared natural disaster in which case, limited to $500 but no excess payable
    Compensation for fracture Benefits vary depending on the bone(s) fractured – see PDS for details Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
    Temporary removal of contents from your risk address Covers your contents for loss or damage by an insured event, when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum period of up to 90 days. Up to 20% of contents sum insured:
    • while kept inside where you are temporarily residing; or
    • anywhere else in Australia or NZ but excluding theft
    Sub-limits apply for listed contents. See PDS for details.
    • Up to 20% of contents sum insured, while kept inside where temporarily residing; or
  • Up to $7,500 for contents anywhere else in Australia or NZ
  • Sub-limits apply for listed contents. See PDS for details.

    This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

    To review the Key Facts Sheets available for our tenants contents covers click here.

    See more benefits

    Benefit Classic Home Insurance Prestige Home Insurance
    Replacement of locks and cylinders Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated. Up to $1,000 Up to $2,000
    Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details) Includes contents at your risk address which are located:
    • in the open air, or
    • under an open-sided structure or carport, or
    • on a patio or verandah, or
    • in or on a motor vehicle, caravan, trailer or watercraft,
    • in a tent, or
    • in an unlocked garage, shed or storage room
    Tax audit Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office. Up to $5,000 Up to $5,000
    Legal defence costs Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance. Up to $5,000
    Security firm attendance Covers fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if the insurer has agreed to pay a claim for burglary, housebreaking or theft. Up to $500 Up to $500
    Veterinary costs Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident. Up to $500 Up to $500
    Transit to your new place of residence Covers loss or damage to your contents caused by:
    • fire, collision and/or overturning of the conveying vehicle; or
    • theft from the conveying vehicle;
    while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:
    • to your new intended risk address; or
    • to or from a furniture storage facility
    whichever is the greater distance.
    Emergency storage of contents Covers the reasonable costs to move and store your contents for up to 12 months if the buildings are rendered unlivable by an insured event. Limited to the  balance of any sum insured remaining after payment of your claim for damage to your contents Limited to the  balance of any sum insured remaining after payment of your claim for damage to your contents
    More
    Automatic indexation of sums insured If you make a claim during the period of insurance, the sum insured for your contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.
    Compensation for death $10,000 will be paid to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury  caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury. $10,000 $10,000
    Contents in a safe deposit box at a bank (excludes cover for theft) Covers your contents for loss or damage when they are kept in a safe deposit box at a bank. Covered if the loss or damage was due to an insured event, up to a total amount of:
    • $500 for money, cheques and other negotiable instruments; or
    • 20% of your contents sum insured for all other contents
    Sub-limits apply for selected contents.
    Covered if the loss or damage was due to an insured event, up to a total amount of:
    • $1,000 for money, cheques and other negotiable instruments; or
    • 20% of your contents sum insured for all other contents
    Sub-limits apply for selected contents.
    Optional extras (An additional premium applies)
    Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
    • at the home address;
    • anywhere else in Australia and New Zealand; and
    • for up to 35 days overseas
    Available only in conjunction with contents cover.
    Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
    • travellers’ suitcases and bags, handbags, briefcases, wallets and purses;
    • clothing;
    • jewellery, watches or items containing silver or gold;
    • cosmetics and toiletries;
    • clocks;
    • sporting equipment;
    • musical instruments;
    • photographic or video equipment;
    • binoculars or telescopes;
    • writing instruments;
    • spectacles and sunglasses;
    • personal audio and video equipment; and
    • pocket calculators.
    Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
    • at the home address;
    • anywhere else in Australia and New Zealand; and
    • for up to 35 days overseas
    Available only in conjunction with contents cover.
    Can cover:
    • portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
    • portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items)
    Domestic Workers’ Compensation cover Only available in the ACT, WA and TAS.
    Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.

    This information is a summary only. You should consider whether this insurance product is suitable for your circumstances. For full details of the conditions, limits and exclusions on all our cover options, please refer to the relevant Product Disclosure Statement (PDS).

    To review the Key Facts Sheets available for our tenants contents covers click here.

    How to claim?

    Online, any time

    A convenient way to make a tenant insurance claim is via the online claim form. You can submit your tenant insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

    All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

    Make a claim

    • Secure form
    • No phone queues
    • Immediate confirmation number for your reference

    Over the phone - 24 hours a day, 7 days a week claims hotline

    You can also call 1800 221 773 and a consultant will help you with the claims process.

    To review the Key Facts Sheets available for our tenants contents covers click here.

    #By proceeding with a quote you agree to receive our Financial Services Guide from this website.

    Prefer to talk 1800 221 773

    PO Box 2394 Fortitude Valley
    QLD 4006

    Email: insurance@raywhite.com Fax: 07 3257 4386

    Disclaimer

    REVA Insurance Pty Ltd ABN 95 105 230 046 AR Number 267687 trading as Ray White Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

    We do not provide advice on this insurance based on any consideration of your objectives, financial position or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision, please consider the relevant Product Disclosure Statement (PDS) available from Product Disclosure Statement available from Classic home insurance and Prestige home insurance. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We may receive from Allianz a percentage of the profit which exceeds the agreed profit threshold for Home and Landlord (excluding flood), Motor and Caravan policies arranged by us or renewed with Allianz in each calendar year, provided that the agreed premium threshold is met. Allianz also reimburses us for marketing costs we incur to promote its products, which is capped at a percentage of the premium earned on all policies arranged by us with Allianz in the prior calendar year. Ask us for more details before we provide you with any services.

    1. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for any optional covers, such as flood (if applicable).

    2. To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

    3. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

    4. Covers accidental loss or damage to your portable items anywhere in Australia and for up to 35 days overseas in any one period of insurance.