Comparing renter's insurance

Renters insurance policy features comparison: Vital vs. Classic vs. Prestige

Contents policy features comparison: Vital vs. Classic vs. Prestige

Policy Features

Vital Home

Classic Home

Prestige Home

Fire and theft

Yes

Yes

Yes

Storm, lightning, water from leaking pipes, earthquake and meteorites

Yes

Yes

Yes

Accidental damage cover

No

No

Yes

Flood

Optional*

Optional*

Optional*

New for old replacement^

Yes

Yes

Yes

Legal Liability cover
Up to
$10,000,000
Up to
$20,000,000
Up to
$20,000,000
Cover for fraudulent use of lost or stolen credit cards Up to $2,500 Up to $5,000 Up to $5,000
Replacement of locks or cylinders Up to $1,000 Up to $1,000 Up to $2,000
Contents in the open air at your risk address(Limits apply)

Yes

Yes

Yes

Contents in safe deposit box at a bank

Yes

Yes

Yes

Guests', visitors' and domestic helpers' property (up to $5,000)

Yes

Yes

Yes

Temporary removal of contents from your risk address 

Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing

Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing

Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.

Compensation for death 
(Up to $10,000) 

Yes

Yes

Yes

Security firm attendance
(Up to $500) 

Yes

Yes

Yes

Compensation for Fracture
(Limits apply)

No

Yes

Yes

Title deeds
(Up to $2,000) 

Yes

Yes

Yes

Veterinary costs if your dog/cat is injured in a road accident
(Up to $500) 

Yes

Yes

Yes

Automatic indexation of sum insured

Yes

Yes

Yes

Fusion of electric motors

No

Up to 10 years old

Up to 12 years old

Spoilage of perishable food

No

Up to $500

No specified limit

Legal defence costs

No

No

Yes

Tax audit

No

Yes

Yes

Contents in transit to your new place of residence

No

No

Yes

Personal effects cover

Optional

Optional

Optional

Domestic workers’ compensation

Optional*

Optional*

Optional*

^at our discretion and subject to availability
*Not available in all States or Territories of Australia

This information about insurance cover is a summary only. Terms, conditions, limits, exclusions and underwriting criteria apply. You should consider whether this insurance product is suitable for your circumstances and consider the Policy Document (Product Disclosure Statement) (‘PDS’) and Key Fact Sheets for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance

Product Disclosure Statements and Supplementary Product Disclosure


Related services

What we offer: