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Compare Home Insurance

Compare Allianz’s benefits and choose the cover that’s right for you
Save up to 10% on your first year’s premium when you quote and buy a new Home Insurance policy online1,2

Why choose Allianz?

Up to 30% No Claim Bonus2,3

With Allianz Home Insurance, you could get up to 30% No Claim Bonus2,3 depending on your claims history.

Pay monthly at no extra cost4

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.

Different types of Home Insurance

Allianz Home 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 showers and baths, hot water systems, air conditioners and more.

Allianz Home Contents Insurance on the other hand, helps cover the cost of loss or damage to your contents at the insured address. From your furniture, carpet, electrical appliances and BBQ, to clothes, shoes, handbags and more.

Save up to 10% when you buy both Building and Contents cover and combine them on the one policy2,5

Conveniently combines Home Building and Contents on the one Home Insurance policy. Covers the cost of loss or damage to both your home and its contents.
Learn more

Home Insurance product comparison chart

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.

Allianz Home Insurance Building cover

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Allianz Home Insurance Contents cover

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Fire6 or smoke6 (including bushfires6 and grassfires6)

Theft or burglary

Storm, cyclone,6 rainwater or runoff

Lightning

Water or other liquid damage

Earthquake or tsunami

Impact damage

Accidental breakage of glass or ceramics

Vandalism or malicious damage

Riot or civil commotion

Explosion

Alternative accommodation

Up to 10% of buildings sum insured and up to $500 for pet boarding

Up to 10% of contents sum insured and up to $500 for pet boarding
Legal liability cover

Up to $20 million

Up to $20 million
Replacement of locks and cylinders

Up to $1,000

Up to $1,000
Contents intended to be kept outside (e.g. a BBQ)

Up to $2,000
Guests', visitors' and domestic helpers' and domestic workers’ property

Up to $5,000
Security firm attendance

Up to $500
Debris removal

Up to 10% of building sum insured

Up to 10% of contents sum insured
Rebuilding and professional fees

Up to $5,000

Building modifications due to paraplegia and quadriplegia

Up to $10,000

Environmental benefits

Up to $5,000, after any government or council rebates

Spoilage of perishable food or medicine

Up to sum insured
Spoilage of perishable food or medicine due to natural disaster

Up to $500, nil excess
Flood6

Optional (extra cost)

Optional (extra cost)
Accidental Damage – Includes Motor Burnout

Optional (extra cost)

Optional (extra cost)
Motor Burnout

Optional (extra cost)

Optional (extra cost)
Portable Contents

Optional (extra cost)
Domestic workers compensation (Only available in ACT, WA and TAS)

Optional (extra cost)

Optional (extra cost)
For a full list of events covered by Allianz Home Insurance, see the relevant PDS. 

Frequently asked questions

If you’re altering the security on your property, you should inform Allianz as soon as reasonably possible. If you don’t, Allianz may refuse or reduce a claim under the policy to the extent they’re prejudiced by the delay.

Before beginning renovations costing more than $75,000, it’s important you let Allianz know as soon as reasonably possible. 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.

It’s important you increase your sum insured to reflect any extensions or renovations to make sure you’re adequately covered in the event of a Home Insurance claim.

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). Otherwise, Allianz may refuse or reduce a claim under the policy to the extent it's prejudiced by the delay.

Flood cover is an optional extra which can be added to a Home and/or Contents, Landlord, or Renters policy. 

Note: A 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 full details of conditions and exclusions of all Allianz Home and Landlord Insurance cover options, see the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable).


To see some of the events covered and not covered, refer to Allianz's Key Fact Sheets (KFS).

*Conditions apply

  1. 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.
  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. No discounts are applied to the optional cover: Domestic Workers Compensation (if available and selected).

  3. 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.

  4. Pay by instalments
    Premiums payable by instalments may be subject to minor adjustments (upwards and 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 or Portable Contents optional cover.

  6. 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 buy a policy or increase your cover under an existing policy. For full details of conditions and exclusions, see the relevant PDS.