Home Insurance product comparison chart

This is simply a summary of the benefits of our home insurance policies. For full details, such as standard terms, conditions, limits and exclusions, please read the Product Disclosure Statement (PDS) and any Supplementary PDS (if applicable).

You are protected against
damage and loss caused by
Allianz Home
Insurance Building
cover
Allianz Home
Insurance Contents
cover
Fire or smoke
(including bushfires4 and grassfires4)
Theft or burglary
Storm, cyclone4, 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
Standard benefits
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
Optional cover
Flood4 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.

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 standard 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.

See Infographic

Frequently Asked Questions

If you are altering the security on your property you should inform us as soon as reasonably possible. 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.
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 a home insurance claim.
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 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. 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 and landlord insurance cover options, please refer to the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable).

For standard terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (where applicable). To see some of the events covered and not covered, please refer to our Home Buildings or Home Contents Key Fact Sheets (KFS).