Why should I insure my contents with Allianz?Allianz contents insurance can help you get back on your feet if your belongings are damaged or destroyed due to an insured event such as fire, storm or theft.

  • Quality Service
  • Quick and easy claims service 24/7
  • Friendly and helpful staff to help you get the right protection
  • Payment options to meet your needs
  • Great Value
  • Up to 10% discount on your first year's premium when purchasing a new policy online1,4
  • Up to 30% no claims bonus3,4
  • Combine your building and contents cover to receive up to 10% discount2,4
  • Option to increase your excess which may reduce your premium 6
  • Great Features
  • You can purchase optional cover to protect your portable items such as mobile phones, cameras and engagement rings when you take them out of your home, even when you are temporarily outside Australia for up to 120 days.5

Contents Insurance Product Comparison ChartEffective 17 September 2017

This is simply a summary of the benefits of a contents insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement

You are protected against damage and loss caused by Allianz Home InsuranceContents cover
Fire or smoke
Theft or burglary
Storm, cyclone, lightning, rainwater or runoff and water from leaking pipes
Impact damage
Accidental breakage of glass or ceramic items
Vandalism or malicious damage
Standard benefits
liability cover Up to $20,000,000
Replacement of locks and cylinders Up to $1,000
Contents intended to be kept outside (e.g. BBQ) Up to $2,000
Guests', visitors' and domestic helpers' property Up to $5,000
Security firm attendance Up to $500
Automatic indexation of sum insured
Spoilage of perishable food or medicine
Spoilage of perishable food or medicine (due to natural disaster) Up to $500
Optional cover
Flood Optional
Portable contents5 Optional
Accidental damage Optional
Motor burnout Optional
Domestic workers compensation (Only available in ACT, WA, TAS)7 Optional

For a full list of events covered by Allianz Home Insurance, see the relevant PDS and KFS. This is a summary only of some of the features available on these Home Insurance policies. Before making a decision on this insurance, please carefully consider the PDS and KFS which set out the terms, conditions, limits and exclusions of our Home Insurance.

Upgrade your cover

Specified Contents

Specified contentscan be listed seperately on your policy with a nominated replacement value above the standard limit otherwise available under our general contents cover.

Portable Contents

Optional cover in Australia for items you take away from from home such as mobile phones, cameras or jewellery5.

Motor Burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors.

Home Insurance Calculators

81% of homeowners and renters are exposed to significant financial loss because their insurance does not cover them to resume the same standard of living in the event of a crisis^.

It is essential that you have adequate cover to help protect your home and your contents and that's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.

˄Source Insurance Council of Australia, Understand Home Insurance Research Report, published August 2014

Home Building replacement calculator

Home Contents replacement calculator

More about Allianz Home Insurance

Learn more about making a claim or start a claim now

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Download and read the Product Disclosure Statements and Key Facts Sheets for Home and Landlord Insurance.

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Protect your home with our practical home security tips.

See Infographic

Frequently Asked Questions

If you are altering the security on your property you should inform us as it may change the conditions of yourhome insurance. This may affect your premium.
Before commencing renovations it is important that you notify us as it may affect your coverage and the terms and conditions of your home insurance policy. It is important that you increase your sum insured to reflect any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.
Yes, it is important that Allianz is informed of any change in use of the premises as it may affect our decision to insure you.
Flood coveris an option on bothBuilding and Contents in Home and Landlords policies. Please call us on 13 1000 to find out whether you are eligible forFlood cover. For full details of conditions and exclusions of all our home insurance cover options, please refer to the relevant PDS, policy documents, and flood supplementary PDS.

Why choose Allianz


Our online system is available day and night so you can sign up and manage your cover whenever it suits you.


Allianz customers have access to a quick and easy claims process.

Next Steps

For terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).