Frequently Asked questions



The answers to the following questions are a summary of the cover provided only. For full details of the standard terms, conditions, limits and exclusions of the policy, please consider the Product Disclosure Statement (PDS) and any Supplementary PDS for this product.

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 the standard conditions and exclusions please refer to the relevant PDS and any supplementary PDS (where applicable).
The Motor Burnout option covers damage caused by an electrical current to a domestic household electrical motor. For full details of the standard terms, conditions and exclusions please refer to the relevant section in the PDS and any supplementary PDS (where applicable).
This option protects you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you are moving furniture around the house and damage your wall (if you have buildings cover) or if you have spilt a drink which causes damage to your carpet (if you have contents cover). The accidental damage cover option automatically includes motor burnout cover. Please read the PDS for the 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 as a contribution 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 the standard terms, conditions and exclusions please refer to your policy schedule or the relevant PDS and any supplementary PDS (where applicable) .
If you are altering the security on your property you should inform us as soon as reasonably possible 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 changes in use of the premises as soon as reasonably possible as we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay.
Flood Coveris an option on bothBuilding and Contents in Home and Landlord Insurance policies. Please call us on 13 1000 to find out whether you are eligible forFlood cover. We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy.

For full details of conditions and exclusions of all our home insurance cover options, please refer to the relevant PDS and policy documents. Key Fact Sheets are also available for reference.

Building & Contents

This cover option allows you to insure items which you wear or carry with you outside your home (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.

Unlisted portable contents
This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you do not have to specifically list an item. However, this option does not cover items such as laptops, tablets, mobile phones and other wearable technology.

Listed portable contents
This cover option allows you to cover specific portable options for their full value (less any excess). Electronic devices including laptops, tablets, mobile phones and other wearable technology can be covered as listed portable items.

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 soon as reasonably possible if you wish to commence renovations costing more than $75,000. If you don’t provide this information as soon as reasonably possible, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure. 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 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 while in transit. Please read the PDS for full details of what is covered and information that you need to provide us about your new address.
Allianz Home Insurance covers cyclones and bushfires, except during the 72-hour exclusion period that applies for any loss of or damage to your property caused by these events, during the first 72 hours after you first take out or 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 Sheets or the PDS for more information.