what contents insurance extras and add-ons are there for renters?
如果您需要额外的保险，还可以向租房者提供保险，以弥补以下方面的损失，失窃或损坏： 意外损坏。 房客的保险可以包括意外损坏玻璃和陶瓷装置（如洗手盆和玻璃灶台）的保险。
首饰 . family heirlooms are often our most treasured possessions. if you own anything valuable that would be difficult to replace, it’s worth getting them covered.
服装和配件。 如果房子失火了，请考虑更换整个衣柜的费用。即使您不是每天都“穿得合身”，这可能是一个昂贵的提议。
家具。  作为房客，您可能没有太多的家具摆设，但您的床，衣柜和任何大件物品仍然值得保险。
电子产品（例如笔记本电脑，电视）。 电子产品在灾难中很容易损坏，是盗贼理想的目标，当您丢失电子产品时，它们会被严重遗漏。当你 能够 在手机上观看netflix，如果您的电视被盗或毁坏，很可能会错过它-因此，如果可能的话，最好向此类物品投保！
电器（即白色家电）。 如果您依靠洗衣机和烘干机，冰箱和洗碗机，则可能要检查一下保单中是否有白色家电和电机烧坏的情况，或者是否作为可选附件。
您的音乐/电影收藏. if you have a record or film collection, you’ll probably be aware of rare titles being targeted by profit-savvy thieves. 怎么样 ever, even if all you own are ten-year-old seinfeld dvd’s, it could be worth making sure you 能够 replace them.
艺术品。  从裱框的照片到版画和绘画，艺术品都可以具有重要的情感价值，更不用说巨大的货币价值了。根据物品的价值，艺术品的掩盖可能需要额外的费用。
您还需要注意，从家中带出的所有物品都需要投保， 个人影响.  
房客保险还为您提供法律责任，如果访客不小心绊倒了自己而受伤了。  
请务必阅读政策的产品披露声明（pds），以了解 究竟 不过列出了什么，因为保险提供商之间的承保范围可能会有所不同。
救护车保险涵盖由医护人员治疗和用救护车运输时发生的某些费用。紧急运输和救护车服务对于紧急医疗至关重要，但medicare并不涵盖。  
根据生产力委员会的 政府服务报告2019, there were 3.7 million emergency incidents recorded in 2017-18. this resulted in 4.3 million ambulance service responses attending to 3.2 million patients across australia. with a population of more than 25 million people, that’s a lot of people relying on this crucial service we often take for granted.  
由于全国各地的救护车覆盖范围都不同，因此我们按州和地区对它进行了细分。  
注意: ambulance services for the department of veterans’ affairs (dva) cardholders are covered in every state 和 territory. 新南威尔士州的救护车罩 -   
residents of 新南威尔士州 are billed 51% of the actual (emergency service) charge, as the 新南威尔士州 government subsidises the remaining 49% of the cost. 怎么样ever, residents are charged a call out fee 加 通过公路，飞机，直升机或这些救护车服务的组合运输时，每公里需支付额外费用。
维也纳国际中心的救护车罩 -   
if you reside in victoria, you can purchase ambulance cover through membership with ambulance victoria or through a registered health fund. additionally, victorians who hold a current concession card (养老金领取者优惠卡, 健康care 汽车d) are entitled to free, clinically necessary ambulance cover.
昆士兰州的救护车盖 -   
the 昆士兰州 state government covers ambulance costs, so you aren’t required to organise your cover. ambulance coverage in queensland extends across the entire country too, so that’s one less thing sunshine state residents need to worry about when holidaying interstate.  
if you need to claim for treatment in another state or territory, you can do so by forwarding any invoices you receive, as well as proof of queensland residency, to the queensland ambulance service (qas).
南非的救护车罩 -   
like 维也纳国际中心, 南非 residents can purchase ambulance insurance through their state’s ambulance authority (sa ambulance service) or a私人健康保险 policy.
西澳大利亚州的救护车罩 -   
in 西澳, you can get ambulance insurance through your health insurance provider or 西澳’s ambulance service (st john 西澳). if you’re over 65 years of age 和 receive a government pension, you may be eligible for free emergency ambulance services.
塔斯社的救护车罩 -   
the tasmanian state government provides free ambulance service to tasmanian residents within the state 和 its islands. the only exemptions to this are ambulance services related to motor vehicle or workplace accidents where you’ll be required to send the ambulance invoice to the motor accidents 保险 board 和 your workplace/workcover respectively.  
退伍军人事务部（dva）持卡人可以将其dva号码的救护车发票转发给塔斯马尼亚救护车进行处理。
新台币的救护车罩 -   
ambulance services in 新台币 are covered by membership with st john ambulance or私人健康保险. st john ambulance also provides cover for its members australia-wide.
法案中的救护车罩 -   
如果您居住在美国首都或附近，则很可能需要拿出救护车遮盖物 除非 you’re a specific concession cardholder or otherwise meet 法案 ambulance services’ exemption criteria. these specified, exempt groups are entitled to free ambulance services throughout the 法案, 和 don’t require separate ambulance cover.  
没有资格获得免费救护车服务的任何人都应考虑通过注册的澳大利亚健康基金投保。幸运的是，紧急救护车保险已包含在act中广泛使用的政策中。