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.
Award-winning insurer
We’ve been recognised by Canstar for Outstanding Value Home Insurance and Outstanding Value Home & Contents Insurance, two years in a row.
What some of our customers had to say
“In spite of the recent cyclone and the on-going affects of it to property, I was amazed at how quickly my claim was dealt with. The communication and politeness was very much appreciated.”
– John M, Benowa, QLD, April 2025
“Allianz was very punctual and easy to deal with. They kept things very clear and on schedules. One of the best experiences dealing with insurance providers that we've ever had and no regret being their customers at all.”
– Pete K, Reesville, QLD, August 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 Queenslanders want in their Home Insurance?
From the Gold Coast to Mount Isa, Queenslanders are no stranger to extreme weather, which is why the right home insurance matters. We can help pay for temporary accommodation3 if you’re unable to live in your home after an insured event, like a storm, fire or flood.4
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 which sets out the terms, conditions, limits and exclusions.
Top Home Insurance claims in Queensland
In 2025, Allianz and the partners we provide insurance through have supported over 46,000 customers in QLD with their Home Insurance claims.
These claims were broken down into the following categories:
- Storm, rainwater, lightning, and wind damage – 41.7%
- Cyclone - 21.3%
- Bursting (e.g. water tanks, apparatus, and pipes) – 10%
- Food spoilage – 8.6%
- Accidental breakage or damage – 4.5%
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 helps pay for upgrades like solar panels, rainwater tanks, cyclone shutters, roof sprinklers or fire-resistant materials. We’ll 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 can pay you up to 30% extra. For example, if your buildings sum insured is $500,000, we’ll cover up to $150,000 in addition to your buildings sum insured to 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
We offer insurance options for homeowners, landlords and renters. You can get:
- Home Insurance. Choose Building, Contents, or combine the two and get up to 10% off. 1,2
- Landlord Insurance. Options if you own a strata property or a freestanding building.
- Renters Insurance. Cover for your personal belongings while you’re renting.
Yes, Allianz Home Insurance policies cover loss or damage caused by floods and cyclones.
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. This applies to loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires. Read the PDS for more information.
Cover is often available but it depends on your property and location. The best way to check is to get a quote with Allianz to see your options.
Allianz is part of the Cyclone Reinsurance Pool, which helps lower the cost of premiums for customers in cyclone-prone areas. This means cover is more affordable and accessible, especially if you live in parts of QLD, where cyclone risk is higher.
Yes, there's a 72-hour waiting period that may apply when you buy cover.
This is to ensure that insurance works as it was intended to – to cover the unexpected, not for events already in the forecast. Read the PDS for more information.
Yes, if your home can’t be lived in after an insured event, Allianz can help cover the cost of temporary accommodation for you and your pets.
This can include rent, utility connections, mail redirection and even a bond for the temporary place.
The most we’ll pay is up to 10% of your building or contents sum insured (whichever applies), on top of your sum insured.
Secure loose items, clear gutters, and check your home meets QLD cyclone-rated building standards. It’s also wise to keep an emergency kit and follow QLD Government disaster preparedness and recovery advice.
Learn more about preparing for cyclones.
Generally, you should make sure you insure your home for the full cost to rebuild, not its market value. You can use our Home Insurance calculator to estimate an accurate rebuild cost.
Allianz offers an optional rebuild safety net that increases your sum insured if rebuild costs are higher than expected, and your sum insured is exceeded.
The rebuild safety net is designed to help cover unexpected building cost increases. Construction cost increases and supply chain issues can be hard to predict.
A rebuild safety net can give you a financial buffer if building costs rise unexpectedly and exceed your insurance cover.
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.
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.
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.
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.
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.