Optional Accidental Damage at Home cover

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.