Compare Home Insurance

Compare Allianz’s benefits and choose the cover that’s right for you

The information on this page is for policies starting from 14 January 2025. For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS).

Save up to 10% on your first year’s premium when you quote and buy a new Home Insurance policy online^1,2

Why choose Allianz?

Up to 30% No Claim Bonus^2,3

With Allianz Home Insurance, you could get up to 30% No Claim Bonus^2,3 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 policy^2,5

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.

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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 GET A QUOTE	Allianz Home Insurance Contents cover GET A QUOTE

Fire⁶ or smoke⁶ (including bushfires⁶and grassfires⁶)

Theft or burglary

Storm, cyclone⁶, or rainwater

Flood and/or run-off⁶

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 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.	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 Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen.	Up to $1,000	Up to $1,000

Contents intended to be kept outside (e.g. a BBQ) Allianz will pay up to $2,000 for your contents that are intended to be kept outside at your risk address, such as your BBQ, outdoor furniture and children’s play equipment, when they are destroyed or damaged by an insured event.		Up to $2,000

Guests', visitors' and domestic helpers' and domestic workers’ property Allianz will pay up to $5,000 for your guests’, visitors’ and domestic helpers’ property if it’s lost or damaged by an insured event in your building.		Up to $5,000

Security firm attendance Allianz will pay up to $500 towards any fees or charges incurred for a security firm to attend your risk address in response to a monitored alarm signal if Allianz has agreed to pay a claim for theft or burglary of your contents.		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 Allianz will pay up to $10,000 to modify your buildings if you become permanently paraplegic or quadriplegic as a direct result of an insured event that damaged or destroyed your home buildings.	Up to $10,000

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

Spoilage of perishable food or medicine Allianz will pay for you to replace your perishable food or medicine kept in your domestic fridge or freezer when they’ve been spoiled by a breakdown or a failure of the unit (if the motor is less than 10 years old), escape of refrigerant or fumes or accidental failure of public electricity supply (not including accidental disconnection or switching off of the electricity supply by you).		Up to sum insured

Spoilage of perishable food or medicine due to natural disaster Allianz will pay up to $500 to replace your perishable food or medicine kept in your fridge or freezer if the spoilage is due to a natural disaster declared by Allianz, the government or the Insurance Council of Australia. No excess applies.		Up to $500, nil excess

Accidental Damage – Includes Motor Burnout	Optional (extra cost)	Optional (extra cost)

Motor Burnout	Optional (extra cost)	Optional (extra cost)

Portable Contents This optional benefit provides cover for items that are intended to leave your address with you or on you (e.g. handbags, wallets, sunglasses and jewellery) for accidental loss and damage. It covers you for loss or damage to your portable contents caused by theft or accident anywhere in the world. Cover outside Australia is limited to 120 continuous days in any period of insurance. You can either choose the available limits of cover per item and with a combined total sum insured for all items per claim for unlisted portable contents, or ask Allianz to cover specific listed portable contents separately for their full value. Items such as mobile phones, tablets, laptops and wearables must be itemised as listed portable contents. It’s important to note that the above information is not exhaustive. For more details, see the relevant Product Disclosure Statement.		Optional (extra cost)

For a full list of events covered by Allianz Home Insurance, see the relevant PDS.

Frequently asked questions

Do I need to let Allianz know I’ve changed the security on my property?

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.

Do I need to let Allianz know I’m about to install a new kitchen and renovate my bathroom?

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.

Do I need to let Allianz know I’ve begun using my home for business purposes?

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.

Am I covered for flood?

Flood cover is included in Allianz Home Insurance policies that start from 14 January 2025.⁶

For Home Insurance policies starting before 14 January, flood cover was optional.

If you’re a renewing customer, you may be able to continue without flood cover if:

you previously opted out and met certain flood risk criteria
we weren’t able to offer you flood cover
we've agreed you can opt-out of flood cover as standard

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

*Conditions apply

Online discount
Home: When you both quote and buy a new Home Insurance policy online, a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected, not available from 21 December 2025), or upon renewal. Minimum premiums may apply.

Landlord: When you both quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected, not available from 21 December 2025), or upon renewal. Minimum premiums may apply.
Minimum premiums may apply
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Most discounts won’t apply the minimum amount payable for the policy.
Up to 30% No Claim Bonus
When you take out a new policy, Allianz will calculate your No Claim Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, Home Insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in your paying less than the minimum premium.

The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected, not available from 21 December 2025) or Portable contents (if selected).
Pay by instalments
If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
Combined Discounts
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional Portable Contents (if selected) and Domestic workers’ compensation (if available and selected, not available from 21 December 2025). Minimum premiums may apply.

72-hour exclusion period may apply
Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.

Compare Home Insurance

Why choose Allianz?

Up to 30% No Claim Bonus^2,3

Pay monthly at no extra cost⁴

Instant Certificate of Currency

24/7 claims service

Different types of Home Insurance

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

Home Insurance product comparison chart

Allianz Home Insurance Building cover

Allianz Home Insurance Contents cover

Frequently asked questions

*Conditions apply

We're here to help

Give us a call

Compare Home Insurance

Why choose Allianz?

Up to 30% No Claim Bonus2,3

Pay monthly at no extra cost4

Instant Certificate of Currency

24/7 claims service

Different types of Home Insurance

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

Home Insurance product comparison chart

Allianz Home Insurance Building cover

Allianz Home Insurance Contents cover

Frequently asked questions

*Conditions apply

We're here to help

Give us a call

Up to 30% No Claim Bonus^2,3

Pay monthly at no extra cost⁴

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