Home Contents Insurance



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Contents insurance protects the belongings you keep at your insured address. This can include furniture, jewellery, carpet, appliances and electronics, your BBQ, and even your clothes, shoes and handbags.

If any of the events listed below happen during the period of insurance, we’ll generally pay to repair or replace your home contents up to the policy limits.


You are protected against damage and loss caused byAllianz Home Insurance Contents cover
Fire or smoke
Theft or burglary
Storm, cyclone, lightning, rainwater or runoff and water from leaking pipes          
Impact damage
Accidental breakage of glass or ceramic items
Vandalism or malicious damage


What’s covered?




General contents — What’s covered?


General contents are things you own and that you are legally responsible for, such as your furniture, whitegoods, electrical appliances, clothing, linen, crockery, and even carpets.

The table below represents what’s covered under general contents insurance.



What’s covered? What’s not covered?
Carpets and loose floor coverings ✘ Money, cheques or other negotiable instruments belonging to your business, trade or profession
✔ Curtains and internal blinds ✘ Animals, birds, fish, insects, reptiles or spiders
✔ Furnishings and furniture ✘ Trees, shrubs and plants growing outdoors in the ground
✔ General contents with set limits ✘ Motor vehicles, motor bikes, trail bikes, quad bikes or Segways
✔ General household goods (like plates, glasses, towels, sheets) ✘ Farm vehicles, farm trailers, farming implements
✔ White goods (like fridges and washing machines) unless fixtures or covered by buildings cover ✘ Caravans or trailers
✔ Electrical appliances and computers ✘ Boats and other watercraft (3 metres or longer)
✔ Laptops, tablets, mobile phones, portable computers and their accessories ✘ Aircraft, other than model aircraft without flying capacity
✔ Computer hardware and software which are only used for personal purposes ✘ Drones and other remotely or autonomously piloted aircraft
✔ Smart watches and other wearable technology
✔ Handheld games consoles and their accessories
✔ Portable GPS devices and their accessories
✔ Clothing and shoes
✔ Suitcases and bags, handbags, briefcases, wallets and purses, (but not their contents, unless they’re also listed here)
✔ Cosmetics and toiletries
✔ Binoculars or telescopes
✔ Spectacles and sunglasses
✔ Sporting equipment (but not when being used)
✔ Bicycles (but not when being used)
✔ Watercraft including canoes, kayaks, sailboards, surfboards, surf skis and other non-motorised water craft less than 3m length (but not when being used)
✔ Tools and equipment (not used for business)
✔ Musical instruments (not used for business)
✔ External medical aids and devices including wheelchairs and mobility scooters
✔ Food and medicine
✔ Pot plants
✔ Swimming pools, saunas and spas (including their fixed accessories) which are designed to be dismantled and moved (excludes water)
✔ Where your insured address is a strata title development, fixtures, fittings and/or structural improvements for which you are legally responsible or which are owned by you and which are not insurable by the body corporate
✔ Where you are a tenant any structures or fittings for which you are legally responsible as per any lease agreement



Optional covers:

Specified contents

Specified contents gives you the option to list high value items and insure them for a nominated amount (higher than that offered under our general contents cover).

Portable contents

Portable contents protects items you take away from home, such as mobile phones, cameras or jewellery.

Accidental damage

Accidental damage covers you for destruction caused by sudden, unforeseen, and unintended events, not just the specified insured events. If you’ve insured your contents, we’ll cover any accidental damage or loss to any content items:

If you have any questions regarding Allianz home insurance, please visit our product page or call 13 1000. As always, we’re happy to help.


Read more from our April 2019 customer email:




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