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Compare Home Insurance

Compare the features of our home insurance policy and choose the cover that’s right for you

Our Home Building Insurance protects the physical structures that make up your home building. From the house itself, to your garage, fences, paved driveways, and even fixtures like showers and baths, hot water systems, air conditioners and more.

Our Home Contents Insurance on the other hand, helps cover the cost of loss or damage to your contents at the insured address. From your furniture, carpet, electrical appliances and BBQ, to clothes, shoes and handbags.

Conveniently combines Home Building and Contents on the one Home Insurance policy. Covers the cost of loss or damage to both your home and its contents.
This is a benefits summary of our Home Insurance policies. For full details, such as standard terms, conditions, limits and exclusions, read the Product Disclosure Statement (PDS) and any Supplementary PDS (if applicable).

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Fire or smoke (including bushfires³ and grassfires³)
Theft or burglary
Storm, cyclone³, rainwater or runoff
Lightning
Water or other liquid damage
Earthquake or tsunami
Impact damage
Accidental breakage of glass or ceramic items
Vandalism or malicious damage
Riot or civil commotion
Explosion
Alternative accommodation for you and your pets
Up to 10% of buildings sum insured and up to $500 for your pets
Up to 10% of contents sum insured and up to $500 for your pets
Legal liability cover
Up to $20,000,000
Up to $20,000,000
Replacement of locks and cylinders
Up to $1,000
Up to $1,000
Contents intended to be kept outside (e.g. a BBQ)
Up to $2,000
Guests', visitors' and domestic helpers' and domestic workers’ property
Up to $5,000
Security firm attendance
Up to $500
Automatic indexation of sum insured at renewal
Debris removal
Up to 10% of building sum insured
Up to 10% of contents sum insured
Rebuilding and professional fees
Up to $5,000
Modifications to buildings for paraplegia & quadriplegia
Up to $10,000
Environmental benefits
Up to $5,000 (after deduction of any government or council rebates)
Spoilage of perishable food or medicine
Spoilage of perishable food or medicine due to natural disaster
Up to $500, nil excess
Flood³
Optional
Optional
Accidental loss or damage
Optional
Optional
Motor burnout (included with accidental loss or damage)
Optional
Optional
Portable contents
Optional
Domestic workers compensation (Only available in ACT, WA and TAS)
Optional
Optional
For a full list of events covered by Allianz Home Insurance, see the relevant PDS
With our Home Insurance, you could get up to 30% No Claim Bonus1,2 depending on your claims history
Pay month-to-month or in one annual payment – the choice is yours. An 11% service fee applies to monthly payments
Your proof of insurance – Certificate of Currency (COC) – will be emailed instantly after you purchase your policy
Make a claim online 24/7 or call 13 10 13 weekdays 8am to 6.30pm AEST or Sat 8am to 5pm AEST 
If you’re altering the security on your property, you should inform us as soon as reasonably possible. If you don’t, we may refuse or reduce a claim under the policy to the extent we’re prejudiced by the delay.

Before beginning renovations costing more than $75,000, it’s important you let us know as soon as reasonably possible. If you don’t, we may refuse or reduce a claim under the policy to the extent we’re prejudiced by the delay or the non-disclosure.

It’s important you increase your sum insured to reflect any extensions or renovations to make sure you’re adequately covered in the event of a Home Insurance claim.

Yes, it’s important you let us know of any changes in use of the premises as soon as reasonably possible. Otherwise, we may refuse or reduce a claim under the policy to the extent we’re prejudiced by the delay.

Flood cover is an optional extra which can be added to a Home and/or Contents, Landlord, or Renters policy. Call us on 13 1000 to find out whether you’re eligible for Flood cover.

We don’t 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 and landlord insurance cover options, refer to the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable).


To see some of the events covered and not covered, refer to our Key Fact Sheets (KFS).
 
 
  1. Up to 30% No Claim Bonus
    When you take out a new policy, we calculate your No Claim Bonus based on your home insurance claims history. To qualify for the maximum No Claim Bonus of 30%, Home Insurance customers must’ve had no Building or Contents insurance claims in the preceding five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

    After each claim-free year, the No Claim Bonus applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus applied to your renewal premium will be reduced by 10% to a minimum of 0%.

    The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover.

  2. Minimum premiums may apply
    Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.

    Discounts don't apply to taxes or government charges. No discounts are applied to the optional cover: Domestic Workers Compensation (if available and selected).

  3. 72-hour exclusion period
    We don’t provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.

  4. Combined Discounts
    A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional cover.

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, please 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.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.