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).
Why choose Allianz Home Insurance with optional Accidental Damage cover?
Optional cover for your home building
Cover accidental damage to your contents
Expect the unexpected
What does Home Insurance cover when you add Accidental Damage?
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).
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What's covered
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What's not covered
What's covered
What's not covered

How to add Accidental Damage cover to your policy?
Frequently asked questions
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.
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.
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To see some of the events covered and not covered by our Home Insurance, refer to our Key Fact Sheets (KFS).
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.