Allianz Home Insurance

Enjoy up to 30% No Claim Bonus1,2 based on your claims history
Save up to 10% on your first year’s premium when you quote and buy a new Home Insurance policy online2,3
When you buy or renew, you have the flexibility to pay annually or monthly at no extra cost.
Your proof of insurance – Certificate of Currency (COC) – will be emailed instantly after you purchase your policy.
You can make a claim online or call 1300 555 030 for claims service 24 hours, 7 days a week.
Choose your cover and get online Home Insurance quotes.
Covers the cost of loss or damage to both your home building and home contents.

Save up to 10% when you buy both Building and Contents cover and combine them on the one policy.2,5


  • Pay only one excess if your buildings and contents are damaged by the same insured event 
  • Cover for 11 insured events, including fire,6 storm,6 and theft
  • Up to $20 million legal liability cover

Covers the cost of loss or damage to the physical structures that make up your home buildings, from the house itself, to your garage, fences, sheds, and more.

  • Cover for 11 insured events, including fire,6 storm,6 and theft
  • Repairing or rebuilding your home if damaged due to an insured event
  • Alternative accommodation for you and your pets7

Covers the cost of loss or damage to your contents at home, such as your furniture, white goods, rugs, electrical appliances, or even your clothes, linen, and more.

  • Cover for 11 insured events, including fire,6 storm,6 and theft
  • Repairing or replacing your contents if damaged due to an insured event
  • Up to $20 million legal liability cover

Covers the cost of loss or damage to your investment property and the contents you provide for your tenant. Buy a building-only or contents-only policy, or combine both.

  • Cover for 12 insured events, including fire,6 storm,6 and malicious acts
  • Repairing or rebuilding your rental property
  • Loss of rental income after an insured event8

Covers the cost of repairing your belongings kept at your rented home, such as your furniture, electrical appliances, clothing, linen, kitchen items, and more.

  • Cover for 11 insured events, including fire,6 storm,6 and theft
  • Repairing or replacing your contents if damaged due to an insured event
  • Up to $20 million legal liability cover
This is a summary of only some of the features and benefits available on Allianz Home Insurance and Allianz Landlord Insurance. Before deciding on a policy, see the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.
Has your property or its contents been damaged? Making a claim with Allianz is quick and simple. Find out what’s involved and what you’ll need to make a claim.
Not sure which option’s best for you? Take a look at our comparison table to see the benefits of both Allianz Home Building Insurance and Contents Insurance policies.

When you take out Home Insurance, it’s important that the amount you’re insured for accurately reflects the cost to rebuild your property and replace your contents.

If you’re insured for less than the replacement value of your home and contents, you might have to pay the difference out of your own pocket. Use these calculators as a guide to find out how much you should be insured for.

Allianz cares about the things you love and understands the importance of community. That's why they've put together information and resources, including news, tips and insights to help you get started on your EV journey.

Make your home more sustainable with Green Specs by Allianz Insurance, developed in partnership with the Green Building Council of Australia. Green Specs is a digital guide for homeowners and renters about sustainable home improvements, shown as the floorplan of a typical home.
When it’s time to renew your insurance, you may find your premium has gone up and wonder why. Understanding your premium and the factors that affect the cost, can help make sure you’re paying for cover that’s right for you.
By carrying out regular maintenance, you’re helping to safeguard your property against avoidable damage, and may reduce any potential insurance claim issues. Discover practical tips and handy checklists to help you plan essential home maintenance tasks and keep your property in good condition.

Home insurance covers you financially in the event something happens to the property you own, i.e. an insured event such as a fire.6 It can also cover your personal belongings inside your home.

It takes a lot of time and hard work to purchase a property, and many of us spend a large portion of our lives paying that property off. That’s why it’s so important to consider whether home insurance is right for you and your circumstances.

The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

There are a number of factors that determine how your Allianz Home and Contents Insurance premium is calculated, including:

  • Your risk profile. Allianz will work this out using a number of factors, such as:
    • Where you live
    • The type of property you’re insuring
    • The amount and type of cover you need
    • Any other people also insured under the policy
    • The relevant claims history of the people being insured
    • The likelihood of a claim being made on your policy
  • Any discounts that may apply
  • Any compulsory government charges such as Stamp Duty and GST
  • Emergency Services Levies if they apply to the state or territory where your home is located
  • Any other charges Allianz tells you about
  • The excess you choose9

To find out the cost of insuring your house and contents, get a quick quote today!

If you were previously renting, the home building insurance was the responsibility of the landlord. As a property owner, you’re responsible for your own building insurance.

If you’ve just bought an apartment or townhouse, check with your body corporate if the building is covered by strata insurance. If so, you can still get your contents insured with Allianz. If you’ve bought the house as an investment property, you’ll need Landlord Insurance.

Get a Home Insurance quote or a Landlord Insurance quote now.

With Allianz, you can adjust your Home, Landlord and/or Contents Insurance premium:

  • If you’re buying Home Insurance, combine your Building and Contents cover on the one policy and save up to 10%2,5 (compared to buying each cover as a standalone cover). This discount doesn’t apply to Landlord Insurance.
  • If you increase your basic excess: Allianz policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium.9

Before beginning renovations, you’ll need to tell Allianz as soon as reasonably possible during the period of insurance if your renovations will cost more than $75,000 and:

  • You’re an owner-occupier with a Home Insurance policy
  • You’re a landlord with a Landlord Insurance policy

If you don’t, Allianz may refuse or reduce a claim under the policy to the extent it's prejudiced by the delay or the non-disclosure. When Allianz gets this information, it may:

  • Propose changes to the terms and conditions of your policy
  • Propose to charge you a higher premium
  • Cancel your policy (if there’s a change and Allianz can’t reach an agreement with you on the altered terms and conditions or premium; or it's no longer prepared to insure you because there’s been a material change to the risk)
  • Decide not to offer to renew your policy

Note: It’s also important that you increase your sum insured to take into account any extensions or renovations to make sure you’re adequately covered in the event of a Home and/or Landlord Insurance claim.

If your investment property is currently unoccupied, and it’s not a new property that will be permanently occupied within 60 days of settlement, Allianz won’t be able to offer you a new Home or Landlord Insurance policy online. They’ll need to ask you a few more questions to see what kind of insurance they can offer you.

If you already hold an Allianz Landlord Insurance policy for the property and the buildings haven’t or won’t be lived in for more than 60 consecutive days, you’ll need to let Allianz know as soon as reasonably possible.

If you rent out a part of your home while you live at the same address, you’ll need to tell Allianz first before it agrees to insure you. Depending on the circumstances, your tenant may need to take out their own contents insurance policy.

If you’re renting all of your home or a granny flat out to tenants, cover isn’t available under an Allianz Home Insurance policy. You may need to consider a Landlord policy.

Allianz Home Insurance offers cover for your family home and contents. Allianz Landlord Insurance is designed for properties where rent is being collected and the policy holder isn't a resident of the property. For full details of the standard conditions and exclusions, see the relevant PDS and any supplementary PDS (where applicable).
The Motor Burnout option covers damage caused by an electrical current to a domestic household electrical motor. For full details of the standard terms, conditions and exclusions, refer to the relevant section in the PDS and any supplementary PDS (where applicable).

This cover option insures you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you’re moving furniture around the house and damage your wall (if you have Buildings cover) or if you've spilt a drink which causes damage to your carpet (if you have Contents cover).

Here are some examples of the sort of mishaps you’ll be covered for if you take out optional Accidental Damage cover:

If you have Building cover and:

  • You accidentally smash a hole in the wall when you move some furniture
  • Your kids draw all over your walls

If you have Contents cover and:

  • You spill red wine on the new white carpet or lounge

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days in one period of insurance.

The Accidental Damage cover option automatically includes Motor Burnout cover. See the relevant PDS for the details of what is covered.

Unless Allianz states otherwise in the PDS, you’ll need to pay an excess as a contribution toward your claim when you make a claim under the policy.

Charging an excess also helps to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you have to pay will be shown in your policy schedule or in your PDS.

For full details of the standard terms, conditions and exclusions, refer to your policy schedule or see the relevant PDS and any supplementary PDS (where applicable).

If you’re altering the security on your property, you should tell Allianz as soon as reasonably possible as it may change the conditions of your Home Insurance. Your premium may also be affected.
Yes, it’s important you let Allianz know as soon as reasonably possible if you start using any part of your home for business, trade or professional purposes (except for a home office) as Allianz may refuse or reduce a claim under the policy to the extent it's prejudiced by the delay.

This cover option allows you to insure items which you wear or carry with you outside your home, such as a handbag, wallet, sunglasses, jewellery or a musical instrument. You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.

Unlisted Portable Contents

This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don't have to specifically list your portable items. However, this option doesn't cover items such as laptops, tablets, mobile phones and other wearable technology which need to be covered under Listed Portable Contents.

Listed Portable Contents

This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.


To see some of the events covered and not covered by Allianz Home Insurance, refer to the Key Fact Sheets (KFS)
  1. Up to 30% No Claim Bonus
    Home:
    When you take out a new policy, Allianz will calculate your No Claim Bonus based on your home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must have had no Building or Contents Insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

    After each claim-free year, the No Claim Bonus applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%.

    The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood, Domestic Workers Compensation or Portable Contents cover.

    Landlord: When you take out a new policy, Allianz will calculate your No Claim Bonus based on your landlord insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Landlord Insurance customers must have had no landlord claims in the preceding three years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

    After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%.

    The No Claim Bonus discount doesn’t apply to optional Flood cover, or Landlords Workers Compensation (if available and selected), but is applied to Rent Default and Theft by Tenant (if selected).

  2. Minimum premiums may apply
    Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.

    Discounts don't apply to taxes or government charges. 
  3. Online discount
    Home:
    When you quote and buy a new home insurance policy online, a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected): Accidental damage, Flood, Motor Burnout and Portable Contents. This discount isn’t applied on renewal.

    Landlord: When you quote and buy a new Landlord Insurance policy online, a premium discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn’t applied on renewal.
  4. Pay by instalments
    Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.
  5. Combined Discounts
    A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood, Portable Contents or Domestic Workers Compensation optional covers (if available and selected.
  6. 72-hour exclusion period may apply – Home
    Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires, and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions, see the relevant PDS.

  7. Alternative accommodation
    Covers weekly equivalent rent. Up to 10% of Building or Contents sum insured, up to a maximum of 12 months and up to $500 for your pets.

    This is an extra benefit Allianz will pay in addition to your building sum insured. Allianz doesn’t pay additional alternative accommodation costs under the contents section if it has paid it under the buildings section. No excess applies to this benefit.
  8. Rental costs after an insured event
    Covers the equivalent weekly rent if your tenants can’t live in your investment property for at least seven days due to damage caused by an insured event. Allianz will pay for your loss of rent on the insured property for the time necessary to reinstate your building, or for which access to the building is denied, or up to a maximum of 12 months, whichever period of time is lesser.

    Applicable only when you have Building cover, or if the building is part of a strata title development and you have Contents cover.
  9. Option to change your excess
    Home: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable Contents excess. Any reduction in premium won’t be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers Compensation, Flood or Portable Contents. Minimum premiums apply.


    Landlord: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers Compensation, or Flood. Minimum premiums apply.