Why choose Allianz Home Insurance?
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Home and Contents Insurance
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.
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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 Building replacement calculator
Home Contents replacement calculator
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Frequently asked questions
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:
- Your risk profile. We work this out using a number of factors, such as:
- Where you live
- The type of property you’re insuring
- The amount and type of cover you need
- Any other people also insured under the policy
- The relevant claims history of the people being insured
- The likelihood of a claim being made on your policy
- 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
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.
With Allianz you may save on your Home, Landlord and/or Contents Insurance premium:
- If you’re buying Home Insurance, combine your Building and Contents cover on the one policy and save up to 10%2,4 (compared to buying each cover as a standalone cover). This discount doesn’t apply to Landlords Insurance.
- If you 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 premium.8
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:
- You’re an owner-occupier with a Home Insurance policy
- You’re a landlord with a Landlord Insurance policy
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:
- 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’s 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 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.
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:
- 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.
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 .
For full details of the standard terms, conditions and exclusions, refer to your policy schedule or the relevant
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.
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- Up to 30% No Claim Bonus
Home: When you take out a new policy, we 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.
Landlord: When you take out a new policy, we calculate your No Claim Bonus based on your landlord insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Landlord Insurance customers must have had no landlord losses in the preceding three 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 discount 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 discount doesn’t apply to optional Flood cover (if selected) but is applied to Rent Default and Theft by Tenant (if selected).
- 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/Landlords Workers Compensation (if available and selected).
- Pay by instalments
Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.
Available for new policies effective from 13 November 2022 and renewals from 25 December 2022.
- 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.
- 72-hour exclusion period may apply – Home
We don’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 purchase a policy or increase your cover under an existing policy. For full details of conditions and exclusions please refer to the relevant PDS.
- 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 we pay in addition to your building sum insured. We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
- Rental costs after an insured event
Covers the equivalent weekly rent if your tenants can’t live in your investment property for at least seven days due to damage caused by an insured event. We’ll pay for your 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 lesser.
Applicable only when you have building cover, or if the building is part of a strata title development and you have contents cover.
- Option to change your excess
Home: Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.
Landlord: Not available with respect to any additional compulsory excess, or to the imposed excess applied to the policy. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Landlord’s Workers compensation, or Flood. Minimum premiums apply.
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 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.