Frequently Asked questions



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General

Allianz Home Insurance offers protection for your family home and contents. Landlord insurance is designed for properties where rent is being collected and the policy holder is not a resident of the property. For full details of conditions and exclusions please refer to the relevant PDS.
The Motor Burnout option covers damage caused by an electrical current to a domestic household electrical motor. For full details of conditions and exclusions please refer to the relevant section in the PDS.
The option provides even more protection - in addition to the insured events cover, it protects you in the event of accidental unexpected mishaps that are caused unintentionally and also automatically includes our Motor Burnout option. Please read the PDS for full details of what is covered.
Unless we state otherwise in the PDS, when you make a claim under the policy, you will need to pay an excess – which is a type of co-payment toward your claim. Charging an excess also helps to keep the cost of premiums down by reducing the number of small claims. The amount and type of excess you have to pay will be shown in your policy schedule or in your PDS. For full details of conditions and exclusions please refer to your policy schedule or the relevant PDS.
If you are altering the security on your property you should inform us as it may change the conditions of yourhome insurance. Your premium may also be affected.
Yes, it is important that you inform us 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.

Building & Contents

Listed portable contents
This cover option allows you to insure items which you wear or carry with you outside your home. These include unlisted portable contents such as your handbag, wallet, jewellery and sunglasses as well as listed portable contents such as electronic devices (including mobile phones, laptops and smart watches)

Unlisted portable contents
This cover option allows you to select a per item limit of up to $2,000 per item and $7,500 per claim. This means you do not have to specifically list the item, however it is not suitable for items such as laptops, tablets, mobile phones and other wearable technology.

Curtains and carpets are covered by contents insurance. Contents items are not permanently attached to the building. Curtains and carpets are classified as contents as they can be removed. If you have Buildings Insurance you need to also take out Contents cover to ensure these items are covered.
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 your increase your sum insured to reflect any extensions or renovations to make sure you are adequately covered in the event of ahome insurance claim.
If you are 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 to move. This covers your contents when they are contained in the buildings at either your old or new address, but not whilst in transit. Please read the PDS for full details of what is covered.
Allianz Home Insurance covers cyclones and bushfires, except where the 72-hour exclusion period applies for new policies, or if you increase the cover under the policy. For full details of conditions and exclusions please refer to the relevant PDS.
To discuss contents in storage please speak to us on 13 1000.

Click here to view the Key Fact Sheet.or the PDS for more information.