This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
Why choose Allianz Contents Insurance?
12 insured events, 1 simple policy
Whether it's a burglary, fire,2 flood,2 or storm,2 we're here to help you repair or replace.
Combine and save up to 10%
You can save up to 10% when you combine both Building and Contents covers under the one Home Insurance policy.3,4
Award-winning insurer
We’ve been recognised by Canstar for Outstanding Value Home & Contents Insurance, two years in a row – and we’re the 2026 Finder Comprehensive Home Insurance winner.^
What does Contents Insurance cover?
Our Contents Insurance covers the cost of loss or damage to your contents at home. This includes your furniture, white goods, rugs, electrical appliances, clothes, linen, and more.
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
-
What's not covered
What's covered
What's not covered
Allianz Contents Insurance benefits
This is a summary only of some of the features and benefits available on Allianz Home 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.
Upgrade your cover
Consider adding these optional benefits to your policy for an additional premium and greater coverage.
Portable contents
Covers the cost of replacing your portable items if they’re stolen or damaged. Portable items include wallets, glasses, jewellery, cameras, and mobile phones.
Motor burnout
Covers electrical current damages to your home’s electrical motors, such as your fridge or freezer, if they’re under 10 years old.
Accidental damage
Covers you for accidental damage caused by sudden, unforeseen, and unintended events, not just the specified insured events.
Contents in commercial storage
Covers up to $50,000 in loss or damage to your general contents while they’re in a commercial storage facility. Certain limits apply.
Save up to 10% when you buy both Building and Contents cover and combine them on the one policy
Conveniently combines Building and Contents cover on the one Home Insurance policy. Covers the cost of loss or damage to both your home building and home contents.3,4
Has your property or its contents been damaged? Making a claim with us is quick and simple. Find out what’s involved and what you’ll need to make a claim.
Contents Insurance calculator
When you take out Contents Insurance, it’s important the amount you’re insured for accurately reflects the cost to replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured less than the replacement value of your contents.
Ready to get started?
Frequently asked questions
Contents insurance is designed to help cover the cost of loss or damage to your contents at your home. This includes everything from furniture, rugs and appliances to your BBQ and even clothes, shoes, handbags and more.
Our Contents Insurance covers the cost of repair or replacement when loss or damage is caused by fire (including bushfires2 and grassfires2), break-ins, storms,2 earthquakes and more.
Plus, it provides legal liability cover which can cover you if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.
The amount you choose to insure your contents for is called the 'contents sum insured'.
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 details document.
There are a number of factors that determine how your Allianz Contents Insurance premium is calculated, including:
- Your risk profile. We work this out using a number of 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
- Emergency Services Levies if they apply to the State or Territory where your home is located
- Any other charges we tell you of
- The excess you choose8
To find out the cost of your Contents Insurance through Allianz, get a quick quote in minutes.
Flood cover is included as standard in new Allianz Home Insurance and Allianz Landlord Insurance policies taken out on or after 14 January 2025.2
If you’d like to find out whether your policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.
With Allianz, you may be able to save on your Contents Insurance premium by increasing your excess. Our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium.8
We offer a contents calculator that’s powered by Sum Insured Pty Ltd, to make estimating the value of your contents easy. Simply enter your address into the contents calculator and verify a few details to get an estimate of your contents’ value.
You can even adjust the pre-populated fields like number of rooms in your home and add specific contents categories to generate an estimated replacement value (sum insured amount).
It’s important that the amount you’re insured for accurately reflects the cost to 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 contents. The contents calculator works as a guide that can help you avoid being underinsured.
It’s easy – calculate your contents in minutes in a few simple steps.
If you take out Contents Insurance, here’s how it can work if you experience an insured loss:
- Your house or apartment you live in burns down and destroys all your contents within it. With adequate sums insured under contents cover, you could replace your insured contents.
- A kitchen fire damages your kitchen in your house or apartment. With adequate sums insured under contents cover, you could replace damaged items like blinds and kitchenware including crockery and domestic appliances.
- A thief enters the door to your house or apartment and steals your contents. You can replace the items that were stolen under your Contents Insurance.
- While rearranging your furniture, you accidentally drop your bookshelf on your glass coffee table, and the glass breaks. You can repair or replace the glass on your coffee table in this instance. This is because your Allianz Contents Insurance covers accidental breakage of glass that forms part of your contents in your home (other than those contents that are excluded such as televisions – see the PDS).
If you take out optional accidental damage cover, we’ll repair or replace the whole coffee table including the glass.
Portable Contents cover allows you to insure items which you wear or carry with you outside your insured address, such as a handbag, wallet, sunglasses, jewellery, or a musical instrument. You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both. By adding this option to your insurance, your items will be covered anywhere in the world for up to 90 continuous days.
Unlisted Portable Contents
This option will pay up to $1,000 per item and a total of $5,000 per claim. It covers portable items that you don’t need to list if they’re valued at under $1,000.
Listed Portable Contents
This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess). Portable items worth $1,000 or more must be listed.
If you’re moving house, we'll cover your contents at your new address and at your old address for up to 14 days after you first start your move. This covers your contents when they are contained in the buildings at either your old or new address, but not while in transit. Read the PDS for full details of what’s covered and information that you need to provide us about your new address.
Your contents can be covered while in storage if you add our optional Contents in commercial storage cover to your policy. This optional benefit covers up to $50,000 in loss or damage by an insured event to your general contents while they’re stored in a commercial facility.
The commercial storage facility must be:
- fully enclosed with a lockable door
- only accessible by you or someone acting on your behalf
- located in Australia
This doesn’t include items like jewellery, watches, or mobile phones. See the PDS for full details.
We're here to help
Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.
Follow us on
To see some of the events covered and not covered by our Home Insurance, refer to our Key Fact Sheets (KFS).
^ Awarded for Home Insurance product prior to 21 July 2025
*Conditions apply
- Pay by instalments
Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding, and financial institution transaction fees may apply.
- 72-hour exclusion period may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
- Minimum premiums may apply
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Discounts won’t apply below the minimum amount payable for the policy.
- Combined Discounts
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy. The discount applies to all optional covers except to optional Portable contents cover (if available and selected) and does not apply to Landlord or Renter Insurance.
- Alternative accommodation
Covers weekly rent equivalent up to the property’s rentable value before the damage. The most we’ll pay for any one claim in total is up to 10% of either your buildings or general contents sum insured (as applicable). If you have buildings and contents cover and you make a claim for loss or damage to both due to same insured event, we’ll pay up to 10% of the buildings sum insured in total. This is an extra amount, paid in addition to your sum insured.
- Disposal of damaged contents
Covers up to 10% of your Contents sum insured in addition to your sum insured.
- Storage of undamaged contents
We’ll pay up to the remaining balance of your general contents sum insured after we’ve paid any claim for your damaged contents.
- Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is available and selected). Any reduction in premium applies to buildings and contents and all optional covers except to optional Portable contents cover (if available and selected) and doesn't apply to government taxes and charges, or to the Legal liability component of the premium. Minimum premiums may apply.
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.