This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
NSW award-winning insurer
We’ve been recognised by Canstar for Outstanding Value Home Insurance in NSW, and Outstanding Value Home & Contents Insurance, two years in a row – and we’re the 2026 Finder Comprehensive Home Insurance winner.
What some of our customers had to say
"Always helpful…great and easy to deal with. They actually care for customers and communicate in a caring manner. Highly recommended."
- Armen, Botany, NSW, June 2025
"Very easy to lodge claim and settled in a timely manner."
- Kerrie, Salamander Bay, NSW, April 2025
Find the cover that's right for you
Covers the cost of loss or damage to both your home building and home contents. You can save up to 10% when you combine cover.1,2
Covers the cost of repairing or replacing your belongings kept at your rented home, such as your furniture, electrical appliances, clothing, linen, kitchen items, and more.
Covers the cost of loss or damage to your investment property and the contents you provide for your tenant. Buy a building-only or contents-only policy, or combine both.
What features might NSW residents want in their Home Insurance?
From bushfires in the Blue Mountains to storms in the Central Coast, NSW residents are no stranger to extreme weather. The right home insurance matters and here’s how we can help when the big events hit. You can also visit our Extreme Weather Support page for extra help .
This is a summary only of some of the features available in our Home Insurance policies. Before deciding on this insurance, carefully consider the PDS (where applicable) which sets out the terms, conditions, limits and exclusions.
Top Home Insurance claims in NSW
In 2025, Allianz and the partners we provide insurance through supported over 28,000 customers in NSW with their Home Insurance claims.
These claims were broken down into the following categories:
- Storm, rainwater, lightning, wind – 49.9%
- Bursting (e.g. water tanks, apparatus, and pipes) – 13.3%
- Accidental breakage or damage – 7.0%
- Food spoilage – 4.8%
- Cyclone – 4.2%
While our current Allianz Home Insurance policy continues to cover the same common events, all claims are subject to the terms of your policy, so please consider the PDS.
Other ways we can help
We can help make your home more resilient
If your home is damaged by a flood, bushfire or cyclone and we’ve agreed to rebuild, we can help you come back more resilient and safer.
Our environmental and resilience benefit is available with Home and Landlord Insurance when you have buildings cover . It can help pay for upgrades like solar panels, rainwater tanks, cyclone shutters, roof sprinklers or fire-resistant materials. We cover up to $20,000, on top of your sum insured, once costs are approved and rebates are deducted.5
Add our rebuild safety net cover
The rebuild safety net is an optional benefit you can add to your Allianz Home Insurance or Allianz Landlord Insurance policy. It can be added when you get a quote. Eligibility criteria applies.
If we accept your claim for loss or damage and the cost is more than your building’s insured amount, we may pay you up to 30% extra. For example, if your buildings sum insured is $500,000, we’ll provide up to $150,000 in addition to your buildings sum insured to help cover these unexpected costs.
Related articles
Allianz Prevention is your go-to resource for preventative home maintenance. Learn to identify potential issues early and help minimise property damage.
Extreme weather events are becoming increasingly common across the country, so it’s important to be ready.
Find out what home and contents insurance is, and what’s covered under your policy with our guide.
Ready to get started?
Frequently asked questions
Yes, Allianz Home Insurance policies cover loss or damage caused by bushfires. Keep in mind, you may not be covered for the first 72 hours after your policy begins or increase your cover under an existing policy. Read our PDS for more information.
Secure loose items, clear gutters, and check your home meets NSW planning standards. It’s also wise to keep an emergency kit and follow NSW Government disaster preparedness and recovery advice.
Learn more about preparing for floods and preparing for bushfires.
Yes. If your home can’t be lived in after an insured event, Allianz can help cover temporary accommodation for you and your pets.
This may include rent, utilities, mail redirection and a bond. We’ll cover you for up to 10% of your building or contents sum insured.
This is an extra amount, on top of how much you insure your house or contents for (your sum insured).
We consider your home ‘unable to be lived in’ if the damage prevents normal daily activities, like cooking or personal hygiene.
Allianz Home Insurance doesn’t cover storm surges. However, we do cover loss or damage caused by storms, cyclones, and tsunamis as outlined in the PDS.
Your property’s Bushfire Attack Level (BAL) influences how insurers assess risk in NSW. A higher BAL means greater exposure to ember attack, radiant heat, or flames. This can increase how much you pay (your premium) for Home Insurance.
You can find out if you’re in a bushfire‑prone area by checking your local council’s bushfire maps. You could also find out by getting a Section 10.7 Planning Certificate.
Yes. Renovations or extensions increase your home’s rebuild cost, so you should update your sum insured once they’re complete to avoid being underinsured . For example, adding a deck or second storey should be factored into your coverage.
Yes. Burst pipes are typically covered by ‘sudden escape of liquid’ with Allianz Home Insurance. Pool overflow is covered by ‘run-off’. For example, if a kitchen pipe bursts and damages your flooring and units, we can cover you.
We're here to help
Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.
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^ This is the total number of Allianz Home Insurance policies sold in NSW as at October 2025, including policies purchased through our distribution partners, where Allianz is the product issuer.
*Conditions apply
Minimum premiums may apply
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Discounts won’t apply below the minimum amount payable for the policy.
Combined Discounts
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy. The discount applies to all optional covers except to optional Portable contents cover (if available and selected) and does not apply to Landlord or Renter Insurance.
72-hour exclusion period may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
Alternative accommodation
Covers weekly rent equivalent up to the property’s rentable value before the damage. The most we’ll pay for any one claim in total is up to 10% of either your buildings or general contents sum insured (as applicable). If you have buildings and contents cover and you make a claim for loss or damage to both due to same insured event, we’ll pay up to 10% of the buildings sum insured in total.
This is an extra amount, paid in addition to your sum insured.
The most we will pay in any one period of insurance is up to $20,000, after deduction of any government or council rebates. This is an extra amount paid in addition to your sum insured. Terms, conditions, limits and exclusions apply. Refer to the PDS for full details.
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.