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Optional Accidental Damage cover

Home insurance with optional cover for accidental damage at home

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). 

Why choose Allianz Home Insurance with optional Accidental Damage?

Optional cover for your home building

Optional cover for accidental damage under your Home Building Insurance.

Cover accidental damage to your contents

Optional cover at home and up to 90 days Australia-wide – if you've selected Accidental Damage under your Home Contents Insurance.

Motor Burnout cover is automatically included

Cover your fridge, and other appliances up to 10 years old, for electrical current damage.

What our Home Insurance covers when you add Accidental Damage cover

No matter how careful you are, sudden, unforeseen, and unintended mishaps can happen. By adding optional Accidental Damage cover to your Allianz Home Insurance, you can insure your home and its contents against loss or damage caused by mishaps. For example, if you accidentally spill wine on your carpets or couches, or knock the coffee table over.

If you have Allianz Home Insurance and have selected optional Accidental Damage Cover, we’ll cover:

  • Your building against accidental damage or loss – if you have Building cover
  • Your contents against accidental damage or loss – if you have Contents cover

    If you’ve insured your contents, we’ll cover them:

    • At your insured address
    • Anywhere in Australia for up to 90 continuous days in any one period of insurance
  • Motor burnout – automatically included
  • Covers you if an electrical current damages your domestic household electrical motors, e.g. your fridge, freezer or washing machine, up to 10 years old.
WHAT'S NOT COVERED

Here’s a summary of some of the things we don’t cover.

  • Flood cover – unless you've taken out optional Flood cover1
  • Loss or damage which is specifically excluded by:
  • We don’t cover loss or damage caused by the following:

    • Your pets, or any domestic animals you’re responsible for
    • Tree roots
    • Building issues such as settling, shrinkage or expansion, foundations, pavements, or walls
    • Removing, weakening, or interfering with structures supporting your land or buildings to alter, extend, renovate, or repair your buildings
    • The incorrect siting of your buildings
    • Demolition ordered by any legal authority because you didn’t have the necessary permits
WHAT'S COVERED

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.
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How to add Accidental Damage cover to your policy?

You can select the Accidental Damage option when you get a quote for Allianz Building or Contents Insurance.
Get your quote
Do you already hold a Home and Contents, or Building, or Contents Insurance policy with us? If you would like to add the Accidental Damage option, give us a call on 131 000.

Frequently asked questions

Accidental Damage is an optional cover that you can add to your Allianz Building  or Contents Insurance. It can give you coverage against unexpected situations that are caused unintentionally. For example, if you’ve accidentally spilled coffee over your couch or burned your kitchen cabinets by accident while cooking dinner. For these sorts of situations, Accidental Damage cover can help with the cost of repairs or replacements. While standard home insurance policies provide cover for specific insured events, they may not cover you against unforeseen mishaps.

You may take every precaution to look after your home and belongings, but sometimes things don't go according to plan. You would use Accidental Damage cover to make a claim when you’ve damaged your home or contents due to accidental unexpected mishaps that were caused unintentionally. However, you must have either Building or Contents Insurance, or both, to make a claim.

For example, if you’re moving furniture and damage your wall, you can use Accidental Damage if you have Allianz Home Building cover. If you’ve spilled a drink that stains your carpet, you can use Accidental Damage if you have Allianz Home Contents cover.

Here are some more examples of mishaps that optional Accidental Damage covers.

If you have Building cover and:

  • Your kids draw all over your walls

If you have Contents cover and:

  • You spill red wine on your 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.

Plus, Accidental Damage cover automatically includes Motor Burnout cover. So, if your freezer breaks down due to electrical current damage, and it’s under ten years old, you’re covered.

By selecting this option, you can cover accidental damage caused by sudden, unforeseen and unintended events, not just the specified insured events.  If you accidentally damage something at home, this cover can help with the costs to fix or replace it. To help you decide whether you need Accidental Damage cover, see the relevant PDS.

If you’ve got Contents cover under Allianz Home Insurance and you’ve selected optional Accidental Damage , we’ll cover your contents for accidental damage or loss:

  • At your insured address
  • Anywhere in Australia for up to 90 continuous days in any one period of insurance

Note: General contents may have set limits. To find out more, see the relevant PDS.

Accidental Damage is optional cover, so it isn’t automatically included. You can select it when you get a quote for Allianz Home Building or Home Contents Insurance. While our Building and Contents Insurance may cover certain insured events, Accidental Damage covers damage caused by sudden, unforeseen and unintended events, not just the specified insured events.

If you already have Allianz Home Insurance and want to add Accidental Damage to your policy, give us a call on 131 000.

The fastest way to make a claim is to use our online claim form. Or, if you prefer, give us a call on 13 10 13.

You’ll need to have all the details ready before you start your claim, including:

  • Your policy information
  • Information about the accidental damage, e.g. the date, type of damage, and where it occurred

One of our friendly claims consultants will contact you as soon as possible to discuss your claim and help you with the process.

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To see some of the events covered and not covered by our Home Insurance, refer to our Key Fact Sheets (KFS).
 

*Conditions apply

  1. 72-hour exclusion period may apply
    We may not 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 please refer to the relevant PDS.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



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.