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This is simply a summary of the benefits of our home insurance policies. 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
Insurance Building
and Contents cover
Allianz Home
Insurance Building
Allianz Home
Insurance Contents
Fire or smoke
(including bushfires and grassfires4)
Theft or burglary
Storm, cyclone4, rainwater or runoff
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
Standard benefits
Alternative accommodation
for you and your pets
Up to 10% of building
or contents sum
insured and up
to $500 for 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 Up to $20,000,000
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $1,000
Contents intended to be kept
outside (e.g. a BBQ)
Up to $2,000 Up to $2,000
Guests', visitors' and domestic
helpers' property
Up to $5,000 Up to $5,000
Security firm attendance Up to $500 Up to $500
Automatic indexation of sum insured
Debris removal Up to 10% of building
or contents sum
insured (as applicable)
Up to 10% of building
sum insured
Up to 10% of contents
sum insured
Rebuilding and professional fees Up to $5,000 Up to $5,000
Modifications to buildings for
paraplegia & quadriplegia
Up to $10,000 Up to $10,000
Environmental benefits Up to $5,000 Up to $5,000
Spoilage of perishable food
or medicine
Spoilage of perishable food
or medicine due to natural disaster
Up to $500, nil excess Up to $500, nil excess
Legal defence costs
Optional cover
Flood4 Optional Optional Optional
Accidental loss or damage Optional Optional Optional
Motor burnout Optional Optional Optional
Portable contents Optional Optional
Domestic workers compensation
(Only available in ACT, WA and TAS)
Optional Optional Optional

For a full list of events covered by Allianz Home Insurance see the relevant PDS.

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 relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the terms, conditions, limits and exclusions of our Home Insurance.

More about Allianz Home Insurance

Learn more about making a claim or start a claim now

Learn More

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

Learn More

Protect your home with our practical home security tips.

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Frequently Asked Questions

If you are altering the security on your property you should inform us as it may change the conditions of your home 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 cover is an optional extra which can be added to a Home and/or Contents, Landlord, or Renters policy. Please call us on 13 1000 to find out whether you are eligible for Flood cover. A 72-hour exclusion period applies for Flood cover on new policies, or if you increase your cover under an existing policy. For full details of conditions and exclusions of all our home and landlord insurance cover options, please refer to the relevant PDS and policy documents.

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).