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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Bank of Melbourne Contents Insurance can cover a renter’s belongings at the insured address and includes legal liability cover; it is not a substitute for the property owner’s building insurance. Allianz Australia Insurance Limited issues the policy and assesses and pays claims, while Bank of Melbourne arranges the insurance and says it does not guarantee it. Whether it suits you depends on your contents sum insured, item limits, excess, optional cover needs and the terms on your policy schedule.
What does Bank of Melbourne Contents Insurance cover for renters?
The policy is designed to insure contents at the insured address. Bank of Melbourne’s examples include furniture, appliances, clothing, carpets, shoes and handbags, as well as some outdoor belongings such as BBQs, outdoor furniture and play equipment. Standard maximum limits apply to some item categories; the insurer may allow higher replacement values to be nominated for certain items. Check the PDS and your schedule for the categories and limits that apply to you.
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The Bank’s cover explainer lists these insured events, subject to policy definitions, exclusions, excesses and limits:
- Fire and smoke, including bushfire and grassfire
- Storm, cyclone, rainwater and run-off
- Water or other liquid escaping from specified sources
- Theft and burglary
- Explosion, lightning, impact, vandalism or malicious damage
- Accidental breakage of glass or ceramic items
- Earthquake, tsunami, riot or civil commotion
- Flood
For cyclone, flood, grassfire and bushfire, a 72-hour exclusion can apply after you first take out or increase cover. The PDS sets out exceptions, including some renewal and uninterrupted replacement-cover situations, so this is not a general 72-hour waiting period for every claim. Bank of Melbourne’s cover explanation and the applicable PDS describe the conditions.
#1 Best Overall
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What happens if a renter damages a fixture?
The Bank’s renter-specific explanation says accidental breakage of a fixed glass or ceramic item—such as a window, sink, cooking surface or toilet—is addressed only if you are legally liable as a tenant to pay for the breakage. That is different from insuring the building itself: this contents policy is not the owner’s building cover. Whether liability applies in a particular situation depends on the circumstances and policy terms.
The Allianz-issued PDS also says, “If you’re renting all of your home out to tenants, cover is not available under a Home and Contents Insurance policy.” That statement concerns an owner renting out the entire home, not a renter insuring their own belongings. The PDS directs landlords to Landlord Insurance for the investment property and landlord-provided contents.
Rank #2
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Which optional covers should renters consider?
| Option | What it is for | What to check |
|---|---|---|
| Portable contents | Optional additional-cost cover for belongings taken away from the insured address. | The Bank says laptops, tablets, mobile phones, smart watches and wearable devices must be listed individually for this cover. A screen or glass crack alone is not covered. |
| Accidental damage | Optional cover for sudden, unforeseen and unintended damage beyond the named insured events; the Bank gives spilling red wine on a lounge or carpet as an example. | Review the PDS for the covered circumstances, exclusions and excess. |
| Motor burnout | Optional cover for household electrical motors damaged by electrical current, with a refrigerator, freezer and washing machine given as examples. | Check the policy wording and whether the option is relevant to your household. |
Optional cover adds to the premium. The reviewed product information does not state a standard price for these options; the amount depends on your quote and policy details.
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Choose a sum insured that reflects the replacement cost of the belongings you want covered, rather than the amount you originally paid or what you could sell them for. The policy limits payment to the lesser of the loss and the sum insured, and item sublimits may also apply. Bank of Melbourne offers a contents calculator as a guide, but your own room-by-room inventory is a useful check against overlooking clothing, electronics, kitchenware or other everyday possessions.
Rank #3
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- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
- List belongings and estimate what it would cost to replace them.
- Check policy limits for jewellery, valuables, collections and electronics.
- Find out whether an item needs to be specified separately to obtain the replacement value you need.
- Keep receipts and photos to help establish ownership and value if you make a claim.
The Allianz PDS includes legal liability cover with contents insurance. The Bank’s online Key Facts Sheet (KFS), prepared on 1 September 2021, summarizes a limit of $20 million per accident or related series. Because that summary sheet is dated, confirm the limit and conditions in the PDS and schedule applicable to your policy rather than relying on the KFS figure alone.
How do excesses, premium and claims affect the decision?
Compare the basic excess and any additional excesses shown in your quote and schedule. The PDS says customers may select from available excesses and that a higher excess generally lowers the premium. It also describes an additional $250 earthquake/tsunami excess. Check which excess would apply to the kinds of claims most relevant to your household.
Rank #4
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There is no representative renter premium in the reviewed product information. The PDS says price can depend on factors including location, property type, selected cover, insured people, claims history, risk, discounts, taxes and charges, and excess. Get a quote using your actual address and household details; do not assume an advertised or example price would apply to you.
Bank of Melbourne directs customers to make claims with Allianz online 24/7 or by phone. A claim’s acceptance and payment depend on the policy terms and assessment; the online route does not guarantee an outcome or settlement time.
Best Value
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- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
When comparing another contents policy, use the same address, household, sum insured and options, then compare the actual quote and the policy wording—not just the headline premium. Focus on item limits, relevant excesses, flood and storm terms, theft and water damage, tenant liability for fixtures, portable cover, exclusions, waiting periods, evidence requirements and how claims are settled.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Which policy documents apply?
For policies effective or renewed from 21 December 2025, Bank of Melbourne’s terms index points to the Home and Contents PDS originally effective 21 November 2021, amended by SPDS673 prepared 10 September 2025 and effective 21 December 2025. The amendment updates GST treatment and removes optional domestic workers’ compensation cover. The Home Contents KFS still displayed on the Bank’s website was prepared 1 September 2021 and is a guide only. Use the current PDS/SPDS and your individual policy schedule for full terms, limits and excesses.
The Bank discloses that it receives commission of up to 12% of premium, excluding government fees and charges, plus GST, when a customer buys Home and Contents Insurance with Allianz. This is the Bank’s disclosed distribution commission; it does not establish any commission arrangement for another publisher.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
