The information on this page is for policies starting from 20 July 2025. For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS).
Optional Portable Contents cover
Home insurance with optional benefit for your portable contents
Why choose Allianz Home Insurance with optional Portable Contents cover?
Cover when you’re on the move
Cover in Australia and overseas for up to 90 days – if you have Home Contents or Renter Insurance and have selected the Portable Contents option.
$100 excess only
Only $100 excess for Portable Contents claims – if you have selected the optional benefit.
What is Portable Contents cover?
Portable Contents cover, also called personal effects cover, is cover for things you wear or carry with you outside the home. For example, your jewellery, mobile phone, or your camera. You can choose to add this optional benefit to your Allianz Home Insurance or Renter Insurance policy.
With optional Portable Contents, you can cover your portable valuables for loss or damage caused by theft or accident anywhere in the world. If you’re planning a trip overseas, cover outside of Australia is limited to 90 continuous days in any period of insurance.
Below is a snapshot of some of our product features, benefits, and exclusions. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).
-
What's covered
-
What's not covered
What's covered
What's not covered
Listed vs. Unlisted items
Choose from two types of cover – Listed Portable Contents or Unlisted Portable Contents, or choose both.
Listed Portable Contents
You can ask us to cover specific portable valuables separately for their full value. Portable items worth $1,000 or more must be listed to be covered for their full replacement value less any excess.
Unlisted Portable Contents
This option will pay up to $1,000 per item and a total of $5,000 per claim. It covers portable items that you don’t need to list if they’re valued at under $1,000.
This is a summary only of some of the features and benefits available on Allianz Home and Renter Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions.
How to add Portable Contents cover to your policy
You can select the Portable Contents option when you get a quote for Allianz Home or Renter Insurance.
If you already have Allianz Home or Renter Insurance, you can pay extra to add Portable Contents cover to your policy. Log in to My Allianz or call our team to update your policy.
Frequently asked questions
By adding optional Portable Contents cover to your policy, you know your portable items are covered when you’re on the move. For example, if your camera is damaged during an accident, we’ll repair, replace, or reimburse you, at our discretion, for its equivalent value. We’ll pay up to the limits you have nominated, that’s the total amount we’ll pay if you have to make a claim. This is in addition to your cover for standard insured events like fire1 and flood1.
You can tailor Portable Contents cover to suit your needs by choosing from two types of cover: listed or unlisted.
Listed cover means you can list specific portable contents items separately for their full value. Items worth $1,000 or more must always be listed to be covered for their full replacement value less any excess.
With unlisted cover, you can claim up to $1,000 per item and $5,000 per claim. This means you won’t need to list each item individually if the value is under $1,000.
Before deciding on a policy, you should carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS , where applicable, which set out the standard terms, conditions, limits, and exclusions., where applicable, which set out the standard terms, conditions, limits, and exclusions.
Deciding whether you need to add Portable Contents cover to your Home or Renter Insurance policy is a decision only you can make. This will likely depend on the value of your items and the level of cover you need. It may give you confidence about covering the cost of replacing portable items, such as your mobile phone or engagement ring, if needed.
If you have Home Contents cover or Renter Insurance and you’ve selected the Portable Contents optional benefit, we’ll cover you for loss or damage to your portable contents caused by theft or an accident. This covers you anywhere in Australia and for up to 90 continuous days in any period of insurance if you’re travelling overseas.
If you’ve added the Portable Contents option to your Home or Renter Insurance policy, you can make a claim 24/7 online. Our friendly claims team will contact you to discuss the next steps.
We’ll need evidence of the value and ownership of the listed or unlisted portable contents you’re claiming for.
We're here to help
Give us a call, or send us a message
Follow us on
To see some of the events covered and not covered by our Home Insurance, refer to our Key Fact Sheets (KFS).
*Conditions apply
- 72-hour exclusion period may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.