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Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708
Copyright © 2014 Allianz Australia Limited ABN 21 000 006 226
Home Insurance
Up to 10% off
the discounted price when you buy online†
- No Claims Bonus - Save up to 30%†
- Quick and easy claims service 24/7
Why choose Allianz for your home insurance?
- A range of options including cover for jewellery and cameras away from the home
- Up to $5,000 cover for your guest's damaged property
- Other features to help protect your home and contents
- Up to 30% No Claim Bonus for Home Insurance†
- Bundle your building and contents cover to receive a further discount†
- A quick and easy claims process
Retrieve a quote >>
SureCover Home Insurance
Protection for your home and contents
SureCover Home insurance is designed to protect your home and contents from loss or damage caused by one or more of the insured events, including fire or smoke, storm, theft, rainwater or run-off to name just a few. In addition, there's a range of other benefits, including cover for contents left in the open air and replacement of locks and cylinders if your keys are lost or stolen; protection for the property of your guests, visitors and domestic helpers; and legal liability cover up to a maximum amount of $10,000,000.
For full details of conditions and exclusions of our home insurance please refer to the 
SureCover Home Insurance, SureCover Plus Home Insurance and SureCover Gold Home Insurance PDS and Supplementary PDS (where applicable).
View PDS update (privacy notice).
SureCover Plus Home Insurance
Home insurance cover with an additional range of benefits
Our SureCover Plus Home insurance policy covers the same insured events as the SureCover Home insurance policy, with an additional range of benefits. These include an increased cover limit for loss or theft of credit cards; fusion cover if your fridge motor burns out; landscaping; legal liability cover up to a maximum amount of $20,000,000; plus many more.
For full details of conditions and exclusions of our home insurance please refer to the SureCover Home insurance, SureCover Plus Home insurance and SureCover Gold Home insurance PDS and Supplementary PDS (where applicable).
Our new privacy definition replaces any information in privacy in the insurance documentation above.
SureCover Gold Home Insurance
Home Insurance Cover for accidental loss or damage
Our SureCover Gold Home insurance policy covers you for accidental loss or damage to your buildings and contents. So, if you unintentionally spill a glass of red wine onto your pure wool carpet, you can relax knowing that Allianz has you covered. Other additional benefits unique to the SureCover Gold policy include legal defence costs and cover for damage to your contents while in transit.
For full details of conditions and exclusions of our home insurance please refer to the SureCover Home Insurance, SureCover Plus Home Insurance and SureCover Gold Home Insurance PDS and Supplementary PDS (where applicable).
Our new privacy definition replaces any information in privacy in the insurance documentation above.
Home Insurance comparison chart
Home Insurance Product Comparison (effective 10 May, 2012)
| If you have a claim under the policy we give benefits for: | |||
| Cover for Events such as Fire, Storm, Theft, Earthquake* |  | | |
| Accidental loss or damage |  | |  |
| Accidental breakage of glass | | | |
| Additional cost of temporary accommodation | Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' | Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' | Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' |
| Automatic indexation of sum insured | | | |
| Compensation for death | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Contents in open air at the risk address | Sub-limits for selected contents based on insured events loss or damage | Sub-limits for selected contents based on insured events loss or damage | Sub-limits for selected contents based on insured loss or damage |
| Contents in safe deposit box | Up to 20% of contents sum insured | Up to 20% of contents sum insured | Up to 20% of contents sum insured |
| Credit cards - cover for loss or theft | Up to $2,500 | Up to $5,000 | Up to $5,000 |
| Environmental benefits | Up to $5,000 to install any combination of rainwater tank, solar power systems (including solar hot water systems or photo-voltaic power systems), hot water heat exchange system and grey water recycling system | Up to $5,000 to install any combination of rainwater tank, solar power systems (including solar hot water systems or photo-voltaic power systems), hot water heat exchange system and grey water recycling system | Up to $5,000 to install any combination of rainwater tank, solar power systems (including solar hot water systems or photo-voltaic power systems), hot water heat exchange system and grey water recycling system |
| Fusion of electric motors | | Motors up to 10 years old | Motors up to 12 years old |
| Guests', visitors' and domestic helpers' property | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Landlords' contents | Up to $10,000 | Up to $10,000 |  |
| Legal Liability cover | Up to $10,000,000 | Up to $20,000,000 | Up to $20,000,000 |
| Modifications to buildings for paraplegia & quadriplegia | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Replacement of locks and cylinders | Up to $1,000 | Up to $1,000 | Up to $2,000 |
| Security firm attendance | Up to $500 | Up to $500 | Up to $500 |
| Spoilage of refrigerated / freezer food | | Up to $500 | No specified limit |
| Temporary removal of Contents from your risk address | Up to 20% of contents sum insured with sub-limits for selected contents | Up to 20% of contents sum insured with sub-limits for selected contents | Up to 20%/$7,500 of contents sum insured with sub-limits for selected contents |
| Title deeds | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Veterinary costs | Up to $500 | Up to $500 | Up to $500 |
* For a full list of events covered by each of SureCover, SureCover Plus and SureCover Gold, see the relevant PDS.
This is a summary only of some of the policy features available on these policies. Full details of policy coverage are available in our Policy Documents (Product Disclosure Statements).
For full details of conditions and exclusions of our home insurance please refer to the SureCover, SureCover Plus and SureCover Gold PDS and Supplementary PDS (where applicable).
Home Insurance Cover options
Allianz offers a range of Home insurance cover options, as outlined below, that can be selected in addition to the standard cover benefits offered under our SureCover Home insurance, SureCover Plus Home insurance and SureCover Gold Home insurance policies.
Personal effects cover
Personal effects cover is only available when you have contents cover. This option provides cover against accidental loss or damage to your personal effects anywhere in Australia all year round, and for up to 35 days in any one period of insurance when overseas.
Domestic workers' compensation (not available in all states and territories of Australia)
Where you employ a domestic worker, we will pay the amount you are liable to pay if they are injured while working for you. We will not pay for workers who are working for you in your own business, trade or profession. The amount we will pay is subject to the relevant workers' compensation legislation for your state.
Helpful information
Your dream home and everything you treasure deserve proper protection. Allianz provides reliable insurance for home and contents, ensuring your peace of mind.
You work hard to maintain a beautiful home and lifestyle, so it’s comforting to know that if something goes wrong Allianz will be there with you to help you set things right. Having the right home and contents insurance cover can give you the confidence to relax and enjoy your home.
The Allianz Group gives more than 78 million people in 70 countries around the world the confidence they need in life’s important moments. And in Australia, more than 2 million policy holders rely on Allianz for their insurance.
Get a home insurance quote in minutes!
Frequently asked questions
- What type of items do I need to specify in my contents policy?
Please refer to SureCover, SureCover Plus and SureCover Gold Policy Documents (Product Disclosure Statements) for full details of contents with specified limits of cover that you should specify in your policy schedule.
- I'm moving into a new flat with a group of friends - will you insure us?
Yes, we will insure you and your friends subject to underwriting guidelines, however all owners/occupants must be listed on the policy. We will insure a maximum of three (3) unrelated people.
- I have changed the security on my property - do I need to let you know?
If you are altering the security on your property you should inform us as it may change the conditions of your insurance. You may also be eligible for a discount.
- I'm about to install a new kitchen and renovate my bathroom - should I notify Allianz?
Before commencing renovations it is important that you notify us as it may effect the terms and conditions of your policy. It is important that your increase your sum insured to reflect any extensions or renovations to make sure you are adequately covered in the event of a claim.
- I have commenced using my home for business purposes - should I notify Allianz?
Yes, it is important that Allianz is informed of any change in use if the premises as it may effect our decision to insure you.
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Insure with Allianz
We give more than 78 million people in 70 countries around the world the confidence they need in life's important moments.
In Australia, more than 2 million policy holders rely on Allianz for their insurance including home insurance.
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Product Disclosure Statements
For terms, conditions and exclusions of our home insurance, please refer to the relevant Product Disclosure Statement (PDS) & Supplementary PDS (where applicable).
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Need help?
Call us for home insurance quotes on 13 1000 during business hours.
7am - 11pm AEST/AEDT, weekdays or
7am - 9pm AEST/AEDT, weekendsGet up to a 10%† discount off the discounted price when you buy online.
† If you are eligible for two or more discounts, the second and any subsequent discounts may be applied to the premium (excluding applicable taxes and government charges) after it has been reduced by previous discounts. If your premium is below our minimum premium, then the minimum premium will apply.
To qualify for the maximum No Claim Bonus of 30%, customers must have had no home insurance claims in the preceding five years. However, customers who have had up to two claims in the preceding five years may still qualify for a reduced No Claim Bonus. No Claim Bonus applies to the premium for home buildings and home contents, but not to the premium for optional covers.
