Allianz Home Insurance Products

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 bushfire5 and grassfire5), storms, 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 cover9 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. We work this out using a number of factors, such as:
  

1. Where you live
2. The type of property you’re insuring
3. The amount and type of cover you require
4. Any other people also insured under the policy
5. The relevant claims history of the people being insured
6. The likelihood of a claim being made on your policy
7. 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 we tell you of
• The excess you choose⁹

 

 

 

 

 

To find out the cost of insuring your home building and/or contents through Allianz, get a quick Home 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

To find out if you’re eligible for Flood cover, get an online quote or call us on 13 1000.

If you currently hold a policy and would like to find out whether your Building and Contents insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.

Note: 72-hour exclusion period may apply. We don’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 our Home Insurance, refer to the 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 purchasing each cover as a standalone cover)
• Increase your basic excess: our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium9

You should tell us 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, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When we receive this information, we 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 we can’t reach an agreement with you on altered terms and conditions or premium; or we’re 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 request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Home Insurance policy, call us on 13 1000 or log onto My Allianz.

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 item. 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 have 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. Read the PDS for the details of what is covered.

If you take both Building and Contents insurance, here’s how these covers can work together if you suffer an insured loss:

• Your house burns down. You could lose your building, and everything in it. With adequate sums insured under 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 ensure these items are covered.

Our 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 please refer to the relevant PDS.

You must tell us as soon as reasonably possible if, during the period of insurance:

• You start using any part of your home buildings for business, trade or professional purposes – except for a home office.
• You remove or stop using any security devices that were specifically required by us.
• You undertake any alterations, additions, demolition, repairs to, or decorations of your buildings costing more than $75,000.
• You commence renting out to your home to tenants.
• Your home building hasn’t been lived in, or won’t be lived in, for more than 60 consecutive days.

If you don’t provide this information as soon as reasonably possible, we may refuse or reduce a claim.

Contents insurance is designed to help cover the cost of loss or damage to your contents at your home. This includes everything from furniture, rugs and appliances to your BBQ and even clothes, shoes, handbags and more.

Our Contents Insurance covers the cost of repair or replacement when loss or damage is caused by fire (including bushfires4 and grassfires4), break-ins, storms, earthquakes and more. Flood cover4 may be available as an optional cover.

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.

The amount you choose to insure your contents for is called the 'contents sum insured'.

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 Contents Insurance premium is calculated, including:

• Your risk profile. We work this out using a number of factors, such as:
  

1. Where you live
2. The type of property you’re insuring
3. The amount and type of cover you require
4. Any other people also insured under the policy
5. The relevant claims history of the people being insured
6. The likelihood of a claim being made on your policy
7. 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 we tell you of
• The excess you choose⁸

To find out the cost of your Contents Insurance through Allianz, get a quick quote in minutes.

With Allianz, you may be able to save on your Contents Insurance premium by increasing your basic excess. Our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium.8

We offer a contents calculator that’s powered by Sum Insured Pty Ltd, to make estimating the value of your contents easy. Simply enter your address into the contents calculator and verify a few details to get an estimate of your contents’ value.

You can even adjust the pre-populated fields like number of rooms in your home and add specific contents categories to generate an estimated replacement value (sum insured amount).  

It’s important that the amount you’re insured for accurately reflects the cost to replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured for less than the replacement value of your contents. The contents calculator works as a guide that can help you avoid being underinsured.

It’s easy – calculate your contents in minutes in a few simple steps.

If you take out Contents Insurance, here’s how it can work if you experience an insured loss:

• Your house or apartment you live in burns down and destroys all your contents within it. With adequate sums insured under contents cover, you could replace your insured contents.
• A kitchen fire damages your kitchen in your house or apartment. With adequate sums insured under contents cover, you could replace damaged items like blinds and kitchenware including crockery and domestic appliances.
• A thief enters the door to your house or apartment and steals your contents. You can replace the items that were stolen under your Contents Insurance.
• While rearranging your furniture, you accidentally drop your bookshelf on your glass coffee table, and the glass breaks. You can repair or replace the glass on your coffee table in this instance. This is because your Allianz Contents Insurance covers accidental breakage of glass that forms part of your contents in your home (other than those contents that are excluded such as televisions – see the PDS).
  
  If you take out optional accidental damage cover, we’ll repair or replace the whole coffee table including the glass.

This cover option allows you to insure items which you wear or carry with you outside your insured address, 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 an item. 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 cover option allows you to cover specific portable options for their full value (less any excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.

If you’re moving house, we'll cover your contents at your new address and at your old address for up to 14 days after you first start your move. This covers your contents when they are contained in the buildings at either your old or new address, but not while in transit. Read the PDS for full details of what’s covered and information that you need to provide us about your new address.

To discuss contents in storage, speak to us on 13 1000.

Our Home Building Insurance is designed to help cover the cost of loss or damage to the insured physical structures that make up your home building. This includes everything from the house itself, to your garage, fences, and paved driveways, as well as fixtures like hot water systems, air conditioners and more.

Our Building Insurance covers fire4, storm, lightning, theft, and more. Flood cover4 may be available as an optional cover. In addition, 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.

The amount you choose to insure your buildings for is called the 'building sum insured'.

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 Insurance premium is calculated, including:

• Your risk profile. We work this out using a number of factors, such as:
  

1. Where you live
2. The type of property you’re insuring
3. The amount and type of cover you require
4. Any other people also insured under the policy
5. The relevant claims history of the people being insured
6. The likelihood of a claim being made on your policy
7. 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 we tell you of
• The excess you choose⁸

To find out the cost of insuring your home building through us, get a quick Home Insurance quote in minutes.

Your home building can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility. Your building, 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

To find out if you’re eligible for Flood cover, get a quote online or call us on 13 1000.

If you currently hold a policy and would like to find out whether your Building insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.

Note: 72-hour exclusion period may apply. We don’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 our Home Insurance, refer to the Product Disclosure Statement (PDS).

With Allianz, you may be able to save on your home insurance premium by increasing your basic excess. Our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium.8

You should tell us 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, we may refuse or reduce a claim under the policy to the extent we’re prejudiced by the delay or the non-disclosure.

You can also contact us if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take our additional cover options that may be available.

When we receive this information, we 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 we can’t reach an agreement with you on altered terms and conditions or premium, or we’re 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 home building 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, but if you hold a mortgage over your property, most banks and mortgage lenders require you to take out Home Buildings insurance as security to safeguard themselves against financial risk due to unexpected damage or loss to your property.

Lenders may require you to list them as an interested party when purchasing insurance and may also request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Home Insurance policy, call us on 13 1000 or log onto My Allianz.

If you take out Building Insurance here’s how your home buildings cover can work if the unexpected occurs:

• Your house burns down and you lose all your building structures. With adequate sums insured under Buildings cover, you could rebuild your home back to a similar standard it used to be.
• A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops and cabinets, with Buildings cover.
• A thief smashes your window, breaks the locks, but gets away without stealing any of your belongings. You can fix the window and replace your locks through your Buildings insurance.

You must tell us as soon as reasonably possible if, during the period of insurance:

• You start using any part of your home buildings for business, trade or professional purposes – except for a home office.
• You remove or stop using any security devices that were specifically required by us.
• You carry out any alterations, additions, demolition, repairs to, or decorations of your buildings costing more than $75,000.
• You start renting out your home to tenants.
• Your home building hasn’t been lived in, or won’t be lived in, for more than 60 consecutive days.

If you don’t provide this information as soon as reasonably possible, we may refuse or reduce a claim.

Landlord insurance is designed to cover the cost of replacement or repair needed when certain events occur that damage your residential investment property. It can also cover any contents you provide for your tenant’s use that could leave you out of pocket.

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 Landlord Insurance premium is calculated, including:

• Your risk profile. We work this out using a number of factors such as:
  
• Where your investment property is located
• The type of property you’re insuring
• The amount and type of cover you require
• The relevant claims history of your property
• The likelihood of a claim being made on your policy
• The value of the insured investment property and/or contents cover (sum insured)
• 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 we tell you of
• The excess you choose⁴

Get a quick Landlord insurance quote today!

We‘ll pay rental costs after an insured event as part of your Landlord Insurance policy when you have buildings cover, or the building is part of a strata title development and you have contents cover.

If your building is damaged by an insured event to an extent that the tenant can’t live in it, or access to use your building wasn't possible for a minimum of seven days, we’ll pay for 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 the lesser.

This benefit is automatically included.

Note that this is different to the optional Rent Default & Theft by Tenant cover which is available to be added to new Landlord Insurance policies which don’t already have this cover. If your policy is up for renewal and you’d like to add this optional cover, contact us on 13 1000.

Call us as soon as reasonably possible on  13 10 13 and advise the claims consultant of what has happened. Try to get names and addresses of any witnesses to the event which has brought about the claim. Don't make any admissions of liability and don’t attempt to settle any claim made against you.

If you do, we may reduce or refuse your claim to the extent we’re prejudiced. The claims consultant will advise you of what steps you need to take and will help you through the Landlord Insurance claim process.

Landlord Insurance covers you against financial losses associated with the damage or loss of the residential investment property you own. Landlord insurance isn’t a legal requirement, but if you have a mortgage on your property, most banks and mortgage lenders require you to purchase Landlord 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 request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

To request a Certificate of Currency for your existing Allianz Landlord Insurance policy, call us on 13 1000 or log onto My Allianz.

If you choose to get both your investment building and the investment contents you’ve provided for your tenants’ use covered with us, you can do so with the convenience of having them on the one Landlord Insurance policy. This means you get the great benefits of our Buildings cover and Contents cover, and only have one policy number.

Additionally, if you need to make a claim for both your building and your contents due to the same insured event, you’ll only need to pay one excess. Here’s an example of how your combined Landlord Buildings and Contents policy could work:

Disaster strikes and your investment property’s building, as well as the contents inside it that you’re responsible for as a landlord, have been totally destroyed by an insured event. Where we’ve agreed to accept your claim, you’ll only need to pay one excess. 

With your building insurance, we’ll pay the cost to rebuild your building which has been completely destroyed and also pay up to $5,000 (after deduction of any government or council rebates you’re eligible for) to make your property more environmentally friendly, e.g. by installing any combination of a rainwater tank, solar power systems, hot water heat exchange system, and grey water recycling system.

We’ll also replace your contents that you’ve insured with us up to the policy limits, like your carpets, curtains, furniture, and household goods, including utensils and domestic appliances that you’ve supplied for your tenants’ use.

Our Home Insurance offers cover for your family home and contents. 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, refer to the relevant PDS and any supplementary PDS (where applicable).

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

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 conditions and exclusions, refer to your policy schedule or the relevant PDS and any supplementary PDS (where applicable).

If you live in your main residence and rent out your granny flat to tenants, cover isn’t available under an Allianz Home Insurance policy. You may wish to consider an Allianz Landlord Insurance policy to cover your granny flat.

Where your granny flat and your main house are both rented out to the same tenant, you’re covered on the one Landlord Insurance policy. The sum insured for your granny flat will be included in the sum insured for the main house.

However, if your main house and granny flat are rented out to two different tenants, you’ll need to take out two separate Landlord Insurance policies.

You must tell us as soon as reasonably possible if, during the period of insurance: 

• You start using any part of your home for business, trade or professional purposes – except for a home office. 
  
• You remove or stop using any security devices that were specifically required by us. 
  
• You carry out any alterations, additions, demolition, repairs to, or decorations of your buildings costing more than $75,000. 
  
• You appoint or terminate a licensed managing agent for the property. 
  
• Your buildings haven’t been lived in, or won’t be lived in, for more than 60 consecutive days. 
  

If you don’t provide this information as soon as reasonably possible, we may refuse or reduce a claim. 

Allianz Home Contents Insurance provides contents cover for renters. It’s designed to help cover the cost of loss or damage to the contents at your rental home as a result of an insured event. Contents Insurance can provide cover for your furniture and appliances to electrical goods and your BBQ, and even clothes, shoes and handbags.

Contents Insurance covers the cost of repair or replacement of your contents when loss or damage is caused by events such as break-ins, fires (including bushfire4 and grassfire4), storms, impact damage such as a fallen tree, as well as accidental breakage of glass and more.

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 Contents Insurance premium is calculated, including:

• Your risk profile. We work this out using a number of factors, such as:
  

1. Where you live
2. The type of property you’re insuring
3. The amount and type of cover you require
4. Any other people also insured under the policy
5. The relevant claims history of the people being insured
6. The likelihood of a claim being made on your policy
7. 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 we tell you of

The excess you choose⁷

 

 

 

 

To find out the cost of your Renter’s contents insurance through Allianz, get a quick quote today!

Yes, we can offer insurance for up to three unrelated people living in the home. Our Renter's contents insurance will cover contents for up to three housemates, as long as they’re named on the policy as an insured policy holder.

If you’re a renter or tenant, and you want to be covered for the cost of repairing or replacing your contents e.g. furniture, whitegoods, electrical appliances and clothing, then you may want to take out Renter's contents insurance. Our contents calculator is available to help estimate the value of your contents.

If you take out Contents Insurance, here’s how it can work if you suffer an insured loss:

• The house or apartment you live in burns down and destroys all your contents within it. With adequate sums insured under Renter's contents cover, you could replace your insured contents.
• A thief enters your house or apartment and steals your contents. You can replace the items that were stolen under your Contents insurance.
• While rearranging your furniture, you accidentally drop your book shelf on your glass coffee table, and the glass breaks. Your Allianz Contents Insurance covers accidental breakage of glass that forms part of your contents in your home (other than those contents that are excluded such as televisions – see the PDS). If you take out optional accidental damage cover, we’ll repair or replace the whole coffee table including the glass.