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Compare Home Insurance

Compare our benefits and choose the cover that's right for you

Why choose us?

Up to 30% No Claim Bonus1,2

With our Home Insurance, you could get up to 30% No Claim Bonus1,2 depending on your claims history.

Pay monthly at no extra cost3

When you buy or renew, you have the flexibility to pay annually or monthly at no extra cost.

Instant Certificate of Currency

Your proof of insurance – Certificate of Currency (COC) – will be emailed instantly after you purchase your policy.

24/7 claims service

You can make a claim online or call 13 10 13 for claims service 24 hours, 7 days a week.

Different types of Home Insurance 

Our Building Insurance covers 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, handbags and more.

Save up to 10% when you buy both Building and Contents cover and combine them on the one policy2,4

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.
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Home Insurance product comparison chart

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 any Supplementary PDS (where applicable) which set out the standard terms, conditions, limits and exclusions.

Allianz Home Insurance Building cover

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Allianz Home Insurance Contents cover

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Fire or smoke5 (including bushfires5 and grassfires5)

Theft or burglary

Storm, cyclone5, rainwater or runoff

Lightning

Water or other liquid damage

Earthquake or tsunami

Impact damage

Accidental breakage of glass or ceramics

Vandalism or malicious damage

Riot or civil commotion

Explosion

Alternative accommodation

Up to 10% of buildings sum insured and up to $500 for pet boarding

Up to 10% of buildings sum insured and up to $500 for pet boarding
Legal liability cover

Up to $20 million

Up to $20 million
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
Debris removal

Up to 10% of building sum insured

Up to 10% of contents sum insured
Rebuilding and professional fees

Up to $5,000

Building modifications for paraplegia and quadriplegia

Up to $10,000

Environmental benefits

Up to $5,000 after any government or council rebates

Spoilage of perishable food or medicine

Up to sum insured
Spoilage of perishable food or medicine due to natural disaster

Up to $500, nil excess
Flood5

Optional (extra cost)

Optional (extra cost)
Accidental Damage – Includes Motor Burnout

Optional (extra cost)

Optional (extra cost)
Motor Burnout

Optional (extra cost)

Optional (extra cost)
Portable contents

Optional (extra cost)
Domestic workers compensation (only available in ACT, WA and TAS)

Optional (extra cost)

Optional (extra cost)
For a full list of events covered by Allianz Home Insurance, see the relevant PDS. 

Frequently asked questions

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 as soon as reasonably possible if you start using any part of your home for business, trade or professional purposes (except for a home office). 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.

Note: 72-hour exclusion period may apply. 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).

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To see some of the events covered and not covered, refer to our Key Fact Sheets (KFS).
 

*Conditions apply

  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 have 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. 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.

    Available for new policies effective from 13 November 2022 and renewals from 25 December 2022.

  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.

  5. 72-hour exclusion period may apply
    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. For full details of conditions and exclusions please refer to the relevant PDS.

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.