The information on this page is for policies starting before 14 January 2025.
For Allianz Home Insurance policies starting from 14 January, flood cover will be included as standard and is no longer optional. For more details, see the relevant Product Disclosure Statement (PDS).
Save up to 10% when you buy both Building and Contents cover and combine them on the one policy3,4
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.
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.
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.
Covers the cost of repairing or replacing your belongings kept at your rented home, such as your furniture, electrical appliances, clothing, linen, kitchen items, and more.
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 our calculators as a guide to find out how much you should be insured for.
Home insurance covers you financially in the event something happens to the property you own. 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:
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, the building may be covered by Strata – check with your body corporate if this is the case. If so, you can still get your contents insured with us. 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 may save on your Home, Landlord and/or Contents Insurance premium:
Before beginning renovations, you’ll need to notify us as soon as reasonably possible during the period of insurance if your renovations will cost more than $75,000 and:
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 get this information, we may:
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, we’ll not be able to offer you a new Home or Landlord Insurance policy online. You can call us on 13 1000 and we’ll ask you a few more questions to see what kind of insurance we can offer you.
If you already hold a Landlord Insurance policy for this property with us and the buildings haven’t or won’t be lived in for more than 60 consecutive days, you’ll need to let us know as soon as reasonably possible by calling 13 1000.
If you rent out a part of your home while you live at the same address, you’ll need to tell us first before we agree 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.
For more information, call us on 13 1000 so we can help determine your eligibility.
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 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:
If you have Contents cover and:
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.
Unless we state 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 the relevant PDS and any supplementary PDS (where applicable).
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.
Allianz Home Insurance extends cover to your granny flat when it’s located on the same title as your main insured property and isn’t rented to tenants. By 'title' we mean the legal document that proves you’re the owner of the property.
To make sure you have adequate coverage for your granny flat, check that the cost to rebuild it is also included in your total building sum insured.
If you 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.
Your buildings and contents can be covered for flood-related damage if you take out optional Flood cover, subject to eligibility.5
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 Home Insurance policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.
