When you quote and buy a new Home Insurance policy online, we’ll apply a discount of up to 10% to your first year’s premium.
Save up to 10% when you buy both Building and Contents cover and combine them on the one Home Insurance policy.2, 3
Why choose Allianz Home and Contents Insurance?
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Up to 10% discount online2,4
Pay monthly at no extra cost5
When you buy or renew, you have the flexibility to pay annually or monthly at no extra cost.
Instant Certificate of Currency
Your proof of insurance – Certificate of Currency (COC) – will be emailed instantly after you purchase your policy.
24/7 claims service
You can make a claim online or call 1300 555 030 for claims service 24 hours, 7 days a week.
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.
What Allianz Home and Contents Insurance covers
We break down what is and isn’t covered under Allianz Home Building and Contents Insurance, as well as some optional covers you can buy.
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What’s covered
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What’s not covered
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Optional cover
- If you fail to keep your home or contents in good condition, including wear and tear and lack of maintenance
- Pre-existing damage to your home or contents
- Flooding – unless you’ve added the optional Flood cover to your policy
- You carry out alterations, additions, demolition, repairs or decorations to your building with a commercial value of more than $75,000, unless otherwise agreed in writing with Allianz
- Damage deliberately caused by you, a family member or someone acting with your consent
- Holiday letting
- Anything not directly related to one of the insured events listed in the relevant PDS
This is a summary only of some of the features and benefits available on Allianz Home 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.
Events Allianz Home and Contents Insurance covers
From fire10 and smoke to earthquakes and tsunamis, Allianz Home and Contents Insurance covers the cost of rebuilding or replacing your home and/or contents for a range of insured events.
- Fire or smoke (including bushfires10 and grassfires10)
- Theft or burglary
- Storm and cyclone,10 rainwater or run off (not including flood which, subject to eligibility, may be available under the optional Flood cover10)
- Lightning
- Water or other liquid damage
- Impact damage
- Earthquake or tsunami
- Accidental breakage of glass or ceramic items
- Vandalism or malicious damage
- Explosion
- Riots or civil commotion
For a full list of events covered by Allianz Home Insurance,see the relevant PDS.
Home and Contents Insurance quotes
Find out the difference between home and contents insurance and get your quote.
Building Insurance
Covers the physical structures that make up your home building. From the house itself, to your garage, fences, paved driveways, and even fixtures like hot water systems, air conditioners and more.
The amount you choose to insure your building for is called the building sum insured.
Contents Insurance
Covers the belongings you have at the insured address. From your furniture, carpet, electrical appliances and BBQ, to even clothes, shoes, handbags and more.
The amount you choose to insure your contents for is called the contents sum insured.
Home Insurance calculators
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.
Ready to get started?
Frequently asked questions
Home and contents insurance covers the cost of repair or replacement to your building and contents when loss or damage is caused by events such as break-ins, fires (including bushfire10 and grassfire10), storms,10 impact damage such as a fallen tree, as well as accidental breakage of glass and more.
Plus, it provides legal liability cover which can cover you if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.
Flood cover10 may be available as an optional cover.
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 require
- 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 choose11
To find out the cost of insuring your home building and/or contents through Allianz, get a quickHome and Contents insurance quote in minutes.
Your building and contents can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility. Your building and contents, under Flood cover, will be covered for:
Loss or damage caused by:
- Flood
- Flood water, combined with run-off and rainwater
As well as loss or damage caused by or arising from the following, if it’s caused directly by and occurs within 72 hours of a flood:
- Soil movement, including erosion
- Landslide
- Mudslide
- Subsidence
Note: 72-hour exclusion period may apply. Allianz doesn’t provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. For the standard terms, conditions and exclusions about Allianz Home Insurance, see the relevant Product Disclosure Statement (PDS).
With Allianz, there are a number of ways that you may save on your Home and/or Contents Insurance premium:
- Combine your Building and Contents cover on the one Home Insurance policy and save up to 10%.2,3 (Compared to buying each cover as a standalone cover)
- 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 premium11
You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the building costing more than $75,000. 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 receives 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 it 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 has 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 Insurance claim.
Home insurance covers you against financial losses associated with the damage or loss of the property you own. Home insurance isn't a legal requirement; however, if you have a mortgage on your property, most banks and mortgage lenders require you to purchase home buildings insurance as security to safeguard themselves against financial risk caused by unexpected damage or loss to your property.
Lenders may require you to list them as an interested party when buying insurance and may also ask you for proof of insurance (a Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.
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.
This option covers 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
Allianz will 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. For details of what’s covered, see the relevant PDS.
If you take both Allianz Building and Contents Insurance, here’s how these covers can work together if you suffer an insured loss:
- Your house burns down. You lose your building, and everything in it. With adequate sums insured under Allianz Building and Contents covers, you could rebuild and replace your insured belongings.
- A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Home Building Insurance. Then you could replace damaged items like blinds and kitchenware under your Contents Insurance policy.
- A thief smashes your window, breaks the locks and steals your belongings. You can fix the window and locks through your Building Insurance and replace the items that were stolen under your Contents Insurance.
Plus, you’ll only have to pay one excess if your building and contents are damaged by the same insured event and you’ve combined them on one policy.
Curtains and carpets are covered by Contents Insurance. Contents items aren't permanently attached to the building. Curtains and carpets are classified as contents as they can be removed. If you have Buildings Insurance you need to also take out Contents cover to make sure these items are covered.
Allianz Home Insurance covers cyclones and bushfires, except during the 72-hour exclusion period that may apply for any loss of or damage to your property caused by these events, during the first 72 hours after you first take out or increase the cover under the policy. For full details of conditions and exclusions, see the relevant PDS.
To see some of the events covered and not covered by Allianz Home Insurance, refer to the Key Fact Sheets (KFS).
*Conditions apply
- Up to 30% No Claim Bonus
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 or Portable Contents cover. - 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. No discounts are applied to the optional cover: Domestic Workers Compensation (if available and selected). - 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 or Portable Contents optional cover.
- 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. - 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.
- 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. - Rebuilding costs
These are extra benefits Allianz will pay in addition to your building sum insured, where Allianz has approved these costs before they’re incurred and they relate directly to the rebuilding of the insured building. No excess applies to these benefits. - Making your home building environmentally friendly
These are extra benefits Allianz will pay in addition to your building sum insured. No excess applies to these benefits. - Portable Contents
Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered. - 72-hour exclusion period may apply
Allianz doesn’t 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. - Option to change your excess
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.