Save up to 10% when you combine covers2,4 +
Save up to 10% online1,4

  • Save up to 10% when you buy both new Home and Contents cover under the one policy2,4
  • Save up to 10% on your first year’s premium when you buy a new Home Building and/or Contents, Landlord or Renters Insurance policy online1,4

Home Insurance QuotesChoose your cover and get quick Home and Contents Insurance Quotes, Landlord Insurance Quotes and Renters Insurance Quotes online now with Allianz.

Home and Contents Insurance

Allianz Home and Contents insurance conveniently combines Building and Contents insurance on the one policy. It covers the cost of loss or damage to both your home building (from the house itself, to your garage, fences, paved driveways, and more) and home contents (like your furniture, carpet, white goods, electrical appliances, clothing, and more).

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Home Building Insurance

Allianz Home Building 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, paved driveways, sheds, swimming pool, decks, landscaping and more.

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Contents Insurance

Allianz Contents insurance covers the cost of loss or damage to your contents at home, like your furniture, white goods, rugs and electrical appliances, or even your clothes, shoes, handbags, linen, crockery and more.

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Landlord Insurance

Allianz Landlord insurance covers the cost of loss or damage to your investment property and/or the contents you provide for your tenants’ use.

You have the option of buying a building only policy, a contents only policy, or you can combine the two under one policy.

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Renters Insurance

Allianz Renters insurance covers the cost of repairing of loss or damage to belongings kept at your rented home, like your furniture, white goods, electrical appliances, clothing, linen, kitchen items and more.

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This is a summary only of some of the features and benefits available available on Allianz Home Insurance and Allianz Landlord Insurance. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.

Fast, Simple and Convenient

Up to 30% No Claims Bonus3,4

With Allianz Home Insurance, you could join others who received up to 30% no claim bonus3,4 depending on your claims history.

Option to Pay Monthly

You have the option to pay by the month or in one annual payment.

If you choose to pay by the month, an 11% service fee applies.

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after you purchase your policy.

Tip: A COC is often required by your bank or financier when you take out a mortgage on your home.

Excellence in claims

We're here if you need to make a claim.

You can lodge a claim 24/7 online or call 13 10 13 to commence the claims process over the phone.

Allianz was awarded the 2019 Mansfield Gold Award for Overall Excellence in Claims and the 2020 Mansfield Silver award for Personal lines Claims.

What events does Allianz Home Insurance Cover?

Allianz Home Buildings & Contents Insurance covers the cost of rebuilding or replacing your Building and/or Contents if you have experienced loss or damage caused by the following insured events^.

  • Fire or smoke (including bushfires5 and grassfires5)
  • Theft or burglary
  • Storm & Cyclone5, rainwater or run off, but not flood unless you have the optional flood cover.
  • Lightning
  • Water damage or other liquid damage

  • Impact Damage
  • Earthquake or tsunami
  • Accidental breakage of glass or ceramic items
  • Vandalism or malicious damage
  • Explosion
  • Riots or civil commotion

^For a full list of events covered by Allianz Home Insurance, see the relevant PDS.

Optional CoversSimply select the options while getting your quote online or while speaking to our consultants.
If you already have a policy and would like to add optional covers, please contact us on 13 1000.

Portable Contents

Covers loss or damage to your portable items (such as wallets, glasses, jewellery, cameras and mobile phones9) caused by theft or an accident Australia-wide or anywhere in the world when you are temporarily outside Australia for up to 120 days.

There are two cover types to choose from - listed and unlisted contents.

Accidental Damage for Home and Contents

Covers you for accidental damage caused by sudden, unforeseen and unintended events, not just the specified insured events. This option automatically includes Motor Burnout.

Flood for Home and/or Contents

Covers you for loss or damage to your home and contents caused by flood and certain flood related events. Optional flood cover may not be available in some areas.

Note: we do 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 take out or increase the cover under the policy.

Motor Burnout for Home and Contents

Covers you if an electrical current damages your domestic household electrical motors, such as your fridge, freezer or washing machine, up to 10 years old.

Flood for Landlords

Covers you for loss or damage to your investment property and contents caused by flood and certain flood-related events. Optional flood cover may not be available in some areas.

Domestic Home & Landlord Worker’s Compensation7

Where you employ a person to do work around your home and/or rental property, we will pay the amount you are liable to pay if they are injured while working for you.

Only available in ACT, WA, and TAS.

This is a summary only of some of the features and benefits available available on Allianz Home Insurance and Allianz Landlord Insurance. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.

Compare Home Insurance

If you’re not sure which option is best suited to you, compare Home insurance covers with our comparison chart.


Home Insurance CalculatorsWhen you take out Home and/or Contents, Landlord or Renters insurance, it’s important that the amount you’re insured for accurately reflects the cost to rebuild your home or investment property, and/or 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 home and contents.

Home Building replacement calculator

Home Contents replacement calculator

Next Steps

Get a quick quote in minutes

Buy insurance online in minutes at your convenience 24/7.

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Go Paperless - update your details

Opt to receive your insurance documents instantly via email and help protect the environment at the same time.

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24/7 claims assistance

When you need to make a claim Allianz are there for you with 24 hour online claims lodgement, or you can call 13 10 13 to commence the claims process over the phone.

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Frequently Asked Questions

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 Home and Contents insurance premium is calculated, including:

  • Your risk profile. We work this out using a number factors such as:
    • where you live
    • the type of property you’re insuring
    • the amount and type of cover you require
    • 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.
  • Fire Services Levy if they apply to the State or Territory where your home is located.
  • Any other charges we tell you of.
  • The excess you choose.

To find out the cost of insuring your house, contents or investment property, get a quick quote in minutes today!

If you were previously renting, the home building insurance was the responsibility of the landlord. As a property owner, you are 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 Allianz. If you have bought the house as an investment property, you will need Landlord insurance.

Get a home insurance quote now, or get a landlord insurance quote now.

With Allianz there are a number of ways that you may save on your Home, Landlord and/or Contents insurance premium:

  • Buy your new landlord, home building and/or contents policy online and save up to 10% on your first year’s premium.1,4
  • Combine your building and contents cover together on the one policy and save up to 10%2,4 (Compared to purchasing each cover as a standalone cover).
  • Pay your premium annually rather than monthly to save on the 11% monthly service fee.
  • Increase your excess: our policies come with flexible excess levels, giving you the option to increase your excess which could reduce your premium.4,6

You should tell Allianz as soon as reasonably possible during the period of insurance if:

  • You’re an owner-occupier with a Home Insurance policy; your renovations will cost more than $75,000.
  • You’re a landlord with a Landlord Insurance policy, your renovations will cost more than $75,000.

If you don’t, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure. When Allianz 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 is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are 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 is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home and/or landlord insurance claim.

If your investment property is currently unoccupied, and it is not a new property that will be permanently occupied within 60 days of settlement, we will 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 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 have not or will not 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 part of your home while you live at the same address, depending on your circumstances, your tenant may need to take out their own contents insurance policy, or you may choose add them as a co-insured on your policy. A Home insurance policy does not cover malicious damage or theft by a tenant.

If you’re renting all of your home or a granny flat out to tenants, cover is not available under an Allianz Home Insurance policy. You may need to consider a Landlord policy. To find out the cost of insuring your house, contents or property through Allianz, get a quick Home insurance quote or Landlord insurance quote in minutes today!

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).