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Freedom251 › Blog › contents insurance

Qantas renters contents insurance: What cover to check

By Freedom251 Team · · 5 min read

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Qantas offers contents-only insurance for renters in Australia. Its public summary lists cover for belongings against specified events, but flood, accidental damage and several other features are optional extras—not automatic parts of the policy. Whether it suits you depends on the cover and excess in your quote, the value of your belongings, your address and the policy documents that apply.

What Qantas renters contents insurance is

It is contents-only cover for a renter’s possessions, rather than insurance for the building. Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited and arranged by Qantas Airways Limited as an authorised representative of Auto & General Services Pty Ltd. Qantas says it receives a commission. Its product information is general advice, underwriting criteria apply, and the public page is a summary—not a decision about whether a particular claim will be paid. Qantas’s renters page sets out the marketing summary.

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Contents examples given by Qantas include furniture, computers and electrical appliances, kitchenware, clothing and shoes, jewellery and cameras, carpets and rugs, and internal blinds, curtains and window coverings. The policy’s definitions, limits and exclusions determine what qualifies. The amount insured also matters: Qantas says cover is subject to the sum insured and policy conditions. See its contents cover explainer.

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What events the public summary lists

Qantas lists the following insured events for loss of or damage to contents. These labels do not mean every loss associated with an event is covered; the applicable policy wording and circumstances govern.

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  • Storm and rainwater
  • Fire and lightning
  • Theft or attempted theft
  • Escape of liquid, such as a burst pipe
  • Impact at the home
  • Breakage of glass, ceramic and sanitary fixtures
  • Malicious damage, vandalism, riot or civil commotion
  • Explosion
  • Earthquake or tsunami

Flood is presented separately as optional cover. Storm and rainwater appearing on the event list should not be read as meaning flood is included. The policy documents define the events and exclusions that apply.

Optional covers to check in the quote

Qantas presents these options as available for an additional premium, subject to underwriting and policy terms. Do not assume they are included in the standard contents cover; check what your quote actually includes.

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  • Flood: Listed as an optional cover, distinct from the storm and rainwater summary.
  • Accidental damage: An optional add-on, not an automatic feature of the renters cover described on the public page.
  • Personal effects: Intended for items taken away from home. Check eligible items, locations and limits in the policy wording.
  • Motor burnout: Qantas describes cover for an appliance motor under 10 years old and says food spoilage may also be included; confirm the applicable conditions.
  • Commercial storage: Extends cover to contents in commercial storage, subject to the policy terms.

Limits and benefits that can change the value of cover

Item limits and specified contents

Qantas’s comparison page gives example caps of $1,000 per jewellery or watch item or set and $5,000 in total, plus $15,000 in total for home office equipment. Those are published benefit limits, not confirmation of the limits on every quote. If you own higher-value belongings, ask whether they can be specified for a higher amount and what evidence or conditions apply. Qantas explains this in its guidance on listing or specifying contents.

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Temporary accommodation and belongings away from home

Qantas advertises temporary accommodation for the renter and pets up to 10% of the sum insured for up to 12 months if the rental becomes unliveable because of an insured event. It also says temporarily removed contents may be covered if lost or damaged within 90 days, up to 20% of the total contents value. These are stated policy benefit limits; eligibility and the meaning of the relevant terms depend on the applicable documents.

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Liability and excesses

Qantas’s general contents comparison page lists legal liability up to $20 million. It also gives a basic excess range of $300 to $5,000, a $100 personal effects excess and a $500 earthquake or tsunami excess. These figures describe the product summary, not the excess selected for your policy. Fixed excesses may apply based on risk and underwriting, and your schedule should show the excesses for your quote. See Qantas’s cover comparison.

Price, discount and Qantas Points

There is no single premium established by the public page; the price requires an address-specific quote. Qantas advertises a 15% first-year premium discount for a new renters policy taken out online, as well as a switch offer of up to 35,000 Qantas Points. The points offer is subject to conditions: the policy must be held for 60 days, and the maximum-points offer requires a minimum annual premium of $2,000; exclusions apply. Qantas also promotes one Qantas Point per dollar of premium and potential points through the Qantas Wellbeing App. Offers can change, so confirm the live terms, eligibility and qualifying dates before relying on them.

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When assessing price, compare the quote after any introductory discount with the likely renewal premium, and weigh any points only if their qualifying conditions and value matter to you. Do not compare headline premiums without matching the cover, limits and excess.

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Eligibility and policy documents

Qantas says the product is unavailable in the Northern Territory, North Queensland and Northern Western Australia. Address-level eligibility and underwriting still need to be confirmed when obtaining a quote.

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The applicable version depends on when you take out or renew the policy. Qantas’s policy index lists a Home and Contents PDS for new policies quoted on or after 21 September 2023 and renewals on or after 29 October 2023, and a June 2026 SPDS for new policies quoted on or after 25 June 2026 and renewals on or after 2 August 2026. It also lists a Target Market Determination effective 10 July 2025 and a current Contents Key Facts Sheet. Check the dates and documents relevant to your quote or renewal on the official policy documents page; review the PDS/SPDS and your policy schedule rather than relying on a public summary.

How to decide whether the policy fits

Before accepting a quote, compare it with other policies using the same sum insured, cover options and excess. In particular, check:

  • Whether the sum insured is enough to replace your belongings.
  • Which items have sublimits and whether valuables or portable items need to be specified.
  • Which events are included and whether you need optional flood, accidental damage, personal effects, motor burnout or commercial storage cover.
  • The caps and conditions for temporary accommodation, temporarily removed belongings and any away-from-home cover.
  • Your actual basic and additional excesses on the schedule.
  • The premium after any first-year offer and the renewal premium when available.
  • Whether points promotions apply to your policy and are worthwhile to you.
  • Address eligibility, underwriting conditions, exclusions and the correct PDS/SPDS version.

For a renter, contents cover is about protecting possessions, not the landlord’s building. The practical question is whether the limits, optional extras, excess and price in your own quote align with the belongings and risks you need to cover. A current quote and the governing policy documents—not the promotional summary alone—are needed to make that call.

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