Home insurance quotes: What information do I need to provide?

Last updated on July 11, 2023

Your home is so much more than where you live. It’s where you make memories, where you can relax, and it’s where you keep your cherished belongings. Home insurance helps to cover you financially against loss or damage to your home due to insured events like theft or burglary.

To get a quote, you’ll need to provide various details, including some you may not expect. But once you know exactly what you’ll need, it can take just a few minutes to request a quote. 

This checklist can help you save time by making sure you’ve got all the details ready before you start the quote process. We also explain the essential information you’ll need to help you confidently request an accurate home insurance quote, without any added stress.

A happy couple sitting on their couch viewing their laptop screen
To get an accurate home insurance quote, have the following details ready:
  • Your address
  • Property type and size
  • Construction type, e.g. what the walls are made of
  • Roof type, e.g. concrete tiles 
  • The year the property was built approximately
  • Features your property has, e.g. a swimming pool
  • Property rebuild value 
  • Your relationship to the property, e.g. owner, landlord or tenant
  • The type of insurance cover you need
  • Any optional cover add-ons that you need
  • The replacement value of your property or personal belongings, or both 
  • The value of any portable items, e.g. jewellery, that you need to cover separately
  • Proof of ownership, such as receipts, for valuable items that you would like listed for a specific amount
  • Details about security measures that are in place at your property
  • Your relevant claims history
Remember, providing precise details can help you get an accurate quote. Your cover can help you with the financial impact of unforeseen damage or loss to your home and belongings.
With Allianz, you can easily get your quote online 24 hours, 7 days a week. Here’s a more detailed breakdown of what we’ll need to know to give you an accurate quote.

First, we’ll need to understand your situation and collect some details about the property you want to insure. This will include your address, the size and age of the property, the property type, e.g. an apartment or a house, and its construction, e.g. double brick walls and a tiled roof.

We’ll also need to understand your relationship to the property. For example, are you the owner? Do you own the property but live elsewhere some or most of the time? Are you a private tenant at the property?

For Allianz Home Insurance quotes, we’ll need to know whether the property is part of a strata or company title plan. Additionally, we may ask you to provide information on the cost to rebuild your property.  

Next, we’ll ask you to select the type of insurance coverage you’ll need. At Allianz, we offer Home Insurance for your Building, Contents, or both. 

Allianz Home and Contents Insurance provides cover for your personal belongings and your property. With this type of cover, Building Insurance covers the physical structures that make up your home building, while Contents Insurance covers your personal items. 

There are also optional covers that you can select to add to your policy, subject to eligibility. For Home and Contents Insurance, these include Flood, Accidental Damage, Motor Burnout, Portable Contents and Domestic Workers' Compensation cover.

If you need building cover we’ll ask you to estimate the rebuild value of your property. If you would also like to include cover for your contents at the insured property, we’ll ask you to estimate the value of your belongings. This includes items such as furniture, appliances, jewellery, clothing, and other personal belongings.
We’ll ask you about any security measures you have in place at your home. For example, are deadlocks installed on doors and windows? Is there an alarm system, and what type is it?  Your answers to these questions will help us assess your risk profile to determine your premium.
You’ll need to provide us with the details of any previous home insurance claims you or anyone else who normally lives with you has made within a certain number of years.
To make sure you receive a comprehensive quote, we might ask you to provide us with some additional details. This might include telling us about whether you have any valuables or portable contents that will need to be insured separately.

Getting your quote doesn’t need to be stressful. By breaking down the process into simple steps, and preparing the information ahead of time, it can be a straightforward process.

When obtaining a quote, it’s important to provide accurate details about your property, your personal belongings, and any security measures you have in place. Also, make sure you share any relevant claims history or other details that may help us understand your needs better.

During the quote process, you must take reasonable care not to make a misrepresentation. This means you must answer the questions honestly, accurately and to the best of your knowledge. Also, remember that the responsibility to take reasonable care not to make a misrepresentation applies to everyone who will be insured under the policy.

Now that you know the information you need to provide, you’re ready to get your quote today.

This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL234708 ("Allianz"). In some cases, information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.

Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.

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.