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Defence Bank’s Contents Insurance Standard summary lists cover for several events that can damage or destroy renters’ belongings, plus reasonable extra rent costs if a covered event leaves the home unliveable. It does not establish your premium, excess or full policy conditions: check the current Product Disclosure Statement (PDS), quote and Certificate of Insurance before deciding.
What does Defence Bank contents insurance cover for renters?
Defence Bank lists Contents Insurance Standard as an option for belongings, separate from its Building Insurance. The product summary describes cover for theft and vandalism, flood, rainwater run-off, storm, storm surge and tsunami (subject to a stated sea-action exception), and fire, including bushfire. The exact meaning of these events, exclusions and conditions is set by the policy documents, not the summary alone. See Defence Bank’s current product summary.
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For a renter, contents cover is about insured belongings, not the building itself. Questions about responsibility for the property or lease obligations are separate from choosing contents insurance.
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Food spoilage and prescription medicine
Defence Bank’s product page states that Standard cover pays up to $500 for spoiled food and prescription medicine after a qualifying fridge failure following a covered event. It also says no excess applies to food spoilage. The triggering conditions and how the benefit applies should be checked in the PDS and Certificate of Insurance.
#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.
Optional choices are not automatic cover
The page presents Accidental damage, Valuable contents, Motor burnout and Portable contents as optional choices for Contents Standard. Do not assume these protections are included unless they appear on your quote and Certificate of Insurance.
- Portable contents: The stated limit is up to $10,000 per item unless the item is separately listed for a higher amount. The summary also notes geographic limits and exclusions, including scratches and dents and some equipment while in use.
- Motor burnout: The summary says qualifying motors are covered for up to 15 years after manufacture, if they are not covered by warranty or used in a business. Check the policy wording for the full conditions.
- Accidental damage and valuable contents: These are listed as optional choices; the public summary does not establish their full scope, limits or price.
Does Defence Bank contents insurance cover temporary accommodation if I rent?
Defence Bank says CGU pays reasonable extra rent costs if a covered event makes a tenant’s home unliveable. This benefit is subject to policy limits, exclusions and conditions, so confirm how long it can apply, which costs qualify and what evidence is required in the PDS and your Certificate of Insurance.
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.
How much contents insurance do I need as a renter?
Start with the cost to replace your belongings, not what you originally paid or what you think a landlord’s policy might cover. Defence Bank recommends assessing replacement value and making a room-by-room inventory. Count everyday items such as linen and kitchen appliances as well as higher-value belongings such as art and jewellery. Defence Bank’s inventory guidance suggests recording the model, production date, serial number, value and purchase price for electronics and larger goods.
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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.
What does Defence Bank Home Contents Standard cost, and what excess applies?
The accessible product summary does not provide a renter’s individual premium, exact excess options or enough information to calculate either. Costs and excesses should be checked against a current quote for your address and chosen cover, then confirmed in the Certificate of Insurance. Defence Bank links its current PDS and Premium, Excess and Discounts Guide from its disclosure documents page. CGU’s policy terms, the certificate and relevant disclosures govern your actual cover; the summary is not a substitute.
Defence Bank’s current Target Market Determinations listing gives 27 April 2026 as the date of the Building and Contents Insurance TMD. A TMD describes a target market; it is not a replacement for the PDS or an individual recommendation. Check the TMD listing.
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
How to compare it with another renters policy
Compare quotes using the same address, contents sum insured and excess assumptions. Then check the policy documents for differences that can change both the premium and what you can claim:
- Premium and payment costs.
- Covered events and exclusions.
- Replacement basis and limits for valuables.
- Temporary accommodation benefits for tenants.
- Whether accidental damage and away-from-home protection are optional or included.
- Claim excesses, conditions and limits.
The accessible product summary and disclosure listing do not establish that Defence Bank’s cover is cheaper, better or better value than another policy. That depends on the quote and policy terms for your circumstances.
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.
What to check before buying or making a claim
Before buying
- Estimate replacement costs and set a contents sum insured that reflects what you own.
- Request a current quote and review the premium, payment costs and excess shown.
- Read the PDS and Premium, Excess and Discounts Guide, paying particular attention to exclusions, limits, optional cover and temporary accommodation conditions.
- Check the Certificate of Insurance to confirm the cover, selected options, listed items, sum insured and excess that actually apply.
Defence Bank arranges the product under an agreement and discloses that it receives commission for selling CGU insurance. Its insurance information is general information, not personal advice. Read Defence Bank’s insurance disclosure.
Keep evidence of belongings and incidents
For a potential claim, Defence Bank’s 2022 explainer identifies purchase receipts, photos or video, card or bank statements, and police reports or incident information as potentially useful evidence. It advises lodging promptly; for an actual claim, follow current policy conditions and contact the insurer rather than relying on general guidance published in 2022.
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.
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