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Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →HCF offers contents-only insurance for renters’ belongings; it does not insure the landlord’s building. Its public summary includes moving-related and household benefits, but cover depends on the policy’s terms, limits and exclusions. Before choosing it, work out the replacement cost of your belongings and compare the quote, excess and any optional cover with other policies.
What HCF contents insurance is for
HCF’s contents cover is for belongings such as furniture, white goods, computers and clothing. Building insurance concerns the physical structure and fittings; renters generally do not insure the landlord’s building. HCF’s guidance says renters need contents insurance, but that is general guidance, not a determination of what every tenant needs. Check the policy definitions and your own circumstances.
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HCF arranges the insurance as agent for Allianz Australia Insurance Limited, which is identified as the insurer on HCF’s product page. Review the current Product Disclosure Statement (PDS), any supplementary PDS and the Home Contents Key Facts Sheet for the binding terms.
The Tool Desk
Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →What the public summary says is included
HCF lists benefits that may help in particular situations. The summary is not a guarantee that a claim will be paid: conditions, limits, exclusions and the applicable policy wording matter.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
- Moving house: temporary cover at both the old and new addresses for up to 14 days after a move starts. Contents in transit are not covered unless optional Accidental Damage cover is selected. HCF states: “Note this doesn’t cover your contents in transit unless you’ve taken out optional Accidental Damage cover.”
- Food and medicine spoilage: a listed benefit, subject to the policy’s conditions and limits.
- Emergency storage and alternative accommodation: listed benefits that may apply in qualifying circumstances.
- Guest, visitor or domestic helper belongings: the page lists cover up to $5,000 as part of the sum insured, subject to policy terms.
- Contents intended to be kept outside: the page lists a combined limit of up to $2,000, subject to conditions.
- Debris removal: also listed as a benefit, subject to the policy.
HCF says contents are covered anywhere in Australia for up to 90 continuous days, subject to the policy. This is distinct from optional Portable Contents cover for specified items away from home; neither statement means every item is covered in every situation.
Optional cover and belongings away from home
HCF names three optional covers: Accidental Damage, Motor Burnout and Portable Contents. Check the current quote and policy documents for availability, price, definitions and exclusions before deciding whether an option suits your needs.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Portable Contents
Portable Contents is available with contents or combined cover. HCF says it can cover items such as phones, cameras and engagement rings when they are away from home, and temporarily outside Australia for up to 120 days. Some items need to be listed in the policy schedule. Check which possessions must be specified, the applicable limits and where cover applies.
Accidental Damage and Motor Burnout
These are optional additions named on HCF’s product page. Do not assume accidental breakage or motor burnout is covered by standard contents insurance: confirm the relevant insured events, exclusions, excess and option cost in the documents and quote.
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- 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.
Flood cover and policy documents
HCF says flood damage is covered except during the first 72 hours after buying a policy or increasing cover. That summary does not establish every waiting-period rule or exception. Read the current PDS and supplementary documents, and confirm the terms applying to your policy before relying on cover for a particular event.
How to choose a contents sum insured
You choose the sum insured. HCF’s calculator is a guide, not a precise valuation: its guidance says it cannot account for every specific detail. If the amount is too low, you may have to meet some replacement costs yourself. If it is too high, that may be inefficient; HCF says Allianz pays up to the loss or the sum insured, whichever is lower, subject to the policy.
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
- Inventory each room. List furniture, appliances, clothing, kitchen goods, linen, tools and other belongings—not only electronics or high-value items.
- Estimate today’s replacement cost. Consider what it would cost to replace each item now, and check how the policy assesses claims, including whether settlement is based on current or second-hand value or new-for-old replacement.
- Record valuable or unusual items. Photograph unique and expensive possessions, keep receipts where available, and check whether collections or valuables must be separately declared or listed.
- Keep records separately. The ADF Financial Services Consumer Centre recommends keeping copies of receipts somewhere outside the home.
- Review the total against policy limits. Check the schedule, sublimits and any item-specific requirements rather than relying on the calculator alone.
What to compare before getting a quote
HCF recommends comparing quotes. Compare policies on the cover they provide, not price alone; a lower premium does not establish equivalent protection.
Do these 3 things before closing this tab:
1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problems| Compare | What to check |
|---|---|
| Total premium | Compare the standard premium and the cost of any optional covers you actually need. |
| Excess | Check the amount payable on a claim and whether different claim types have different excesses. A higher excess may reduce the premium; a lower excess commonly raises it. |
| Sum insured and claim settlement | Check the total insured amount and whether claims are settled using current or second-hand value or new-for-old replacement. |
| Insured events | Compare treatment of events such as flood, theft and accidental damage, including any waiting periods. |
| Exclusions and sublimits | Read what is excluded, any limits for particular belongings and any conditions that apply to benefits. |
| Away-from-home cover | Check what is covered outside the home, where it applies, and whether portable items need optional cover or must be listed. |
| Additional benefits | Compare moving, storage, spoilage, temporary accommodation and other benefits, including their conditions and limits. |
For a useful comparison, request quotes using the same sum insured and compare equivalent options and excesses. Then read the policy documents for the details a short product summary cannot show.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- 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.
Verdict: who should consider HCF?
HCF is an option for Australian renters seeking contents-only cover with listed benefits for situations such as moving, spoilage and emergency accommodation, plus optional cover for accidental damage, motor burnout or portable items. Whether it is suitable depends on the belongings you need to insure, the exclusions and limits that apply, and the total price after selecting relevant options. HCF does not publish a renter-specific price in the reviewed product summary, so use a quote and current policy documents rather than assuming a particular premium or level of cover.
Quick Recap
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.
