father and son playing at home

Optional Accidental Damage at Home cover

Home insurance with optional accidental damage cover


The information on this page is for policies starting from 20 July 2025. For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS). 

Optional cover for accidental damage under your Home Building Insurance.
Optional cover at home if you’ve selected Accidental Damage under your Home Contents Insurance.
Optional cover for the days where no matter how careful you are, sudden, unforeseen, and unintended mishaps still happen.

By adding optional Accidental Damage cover to your Allianz Home Insurance or Renter Insurance, you can insure your home or 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.

Landlord insurance doesn’t cover accidental damage.

Below is a snapshot of some of our product features, benefits, and exclusions. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).

What's covered
  • Your building against accidental damage or loss – if you have Home Building cover
  • Your contents against accidental damage or loss – if you have Home Contents or Renters cover
What's not covered
  • Loss or damage specifically excluded by our insured events
  • Other general exclusions also apply – see what’s not covered in the PDS for more information
This is a summary only of some of the features and benefits available on Allianz Home and Renter 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.
father and daughter playing at home
You can select the Accidental Damage optional benefit when you get a quote for Allianz Home Insurance.
If you already have Allianz Home Insurance, you can pay extra to add Accidental Damage to your policy. Log in to My Allianz or call our team to update your policy.
Accidental Damage is an optional cover that you can add to your Allianz Home Insurance or Renter 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 cover, or both (if applicable), to make a claim under Home or Renter Insurance. 

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.

Your contents will only be covered for accidental damage at your insured address. Some items may not be covered whilst outside or in the open air at the insured address. Portable contents cover is needed to cover items taken outside of your address. Read the PDS for details of what's covered.

By selecting this optional benefit, 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 or Renter Insurance and you’ve selected optional Accidental Damage, we’ll only cover your contents for accidental damage or loss at your insured address. If you’d like cover for your items while away from home, you’ll need to add Portable Contents cover.

Accidental Damage is optional cover, so it isn’t automatically included. You can select it when you get a quote for Allianz Home  or Renter Insurance. While our Building and Contents cover 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 or Renter 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.


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