Content Insurance for Renters
Am I covered for Flood?
Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on (08) 8202 7777 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement, any supplementary PDS and Home Contents Key Fact Sheet.
What does it mean if I take the Accidental Damage cover option?
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
What is considered ‘unable to be lived in’?
We will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.
How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Credit Union SA on (08) 8202 7777). If you’re not sure whether you have added these cover options, you can check your policy schedule.
What do I do if I need to make a renters insurance claim?
Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.
What if I need to claim on portable contents cover?
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.