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.
Allianz is proud Insurance Partner of the West Coast Eagles
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.
Why choose Allianz Home Insurance?
Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims
An award-winning insurer
We’ve earned four Finder WA Home Insurance awards, including Easy to Claim, and we’re the 2026 Finder Comprehensive Home Insurance winner. We’ve also been recognised by Canstar for Outstanding Value for two years running.^
What does Home and Contents Insurance cover?
Our Home and Contents Insurance covers the cost of loss or damage to both your home building and home contents.
With this combined policy, you only need to pay one excess if your home and contents are damaged by the same insured event.
Compare our Home and Contents Insurance product features, benefits, and exclusions below. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).
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What's covered
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What's not covered
What's covered
What's not covered
What some of our customers had to say
“Allianz were great, they sent their Assessor out quickly and paid out for my fence in good time.”
– Sue, Padbury, WA, September 2025
“The people at Allianz were incredibly helpful and my claim was taken care of efficiently and quickly without any stress at our end”
– Max, Bayonet Head WA, April 2025
What features might WA residents want in their Home Insurance?
Western Australians live with some of the country’s most varied and intense weather conditions. From bushfire‑prone areas in the south‑west and outer Perth suburbs to cyclone‑exposed communities in the north, having home insurance can make a real difference when big events hit. Head to our Extreme Weather Support guide for extra help.
Bushfires
WA faces some of Australia’s most severe bushfire seasons, especially across the south‑west and peri‑urban areas. We cover fire damage and provide temporary accommodation4 if you can no longer live in your home after a bushfire.3
Theft or burglary
We cover the cost of stolen items and repairs if your home or shed is broken into.
Cyclones and severe storms
Northern WA experiences regular cyclones, while thunderstorms and damaging winds are common across the state. We cover you for storm, cyclone3 and rainwater damage.
Floods
Although WA is known for its dry climate, major flood events still occur, particularly in the Kimberley, Pilbara and Wheatbelt. We automatically cover flood and run‑off.3
Falling trees and debris
Strong winds and storms frequently bring down trees and branches, especially in heavily treed suburbs. If a tree falls and causes damage to your fence, roof or other structures, the 'impact damage' benefit can provide cover.
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.
Looking for Home Insurance in Perth?
Perth has a mix of local risks that vary by area. Here’s how our Home Insurance can help across different parts of the city.
Top Home Insurance claims in WA
In 2025, Allianz and the partners we provide insurance through supported over 8,700 customers in WA with their Home Insurance claims.
These claims were broken down into the following categories:
- Storm, rainwater, lightning, wind – 39.1%
- Bursting, such as water tanks and pipes – 21.6%
- Accidental breakage or damage – 11.2%
- Other – 6.2%
- Impact Damage – 4.4%
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
Home insurance isn’t legally required in Western Australia, but lenders often require building insurance before approving a home loan.
WA homeowners face several major risks, including:
- Bushfires in the south‑west and Perth Hills
- Cyclones in the Pilbara and Kimberley
- Severe thunderstorms and hail across Perth and regional WA
- Flooding and stormwater run‑off
- Falling trees and wind damage
You’ll need to consider the level of cover that's appropriate for you and your circumstances. We offer Home Insurance calculators that can help guide you on the sum insured you may need.
WA rebuild costs can be higher due to labour shortages, regional transport costs and rising material prices. Many insurers offer sum‑insured calculators to help estimate the right amount. This is a common how much should I insure my home for query.
Yes, Allianz Home Insurance covers solar panels as part of your Building Insurance. We also cover:
- Permanently installed water tanks, sewerage storage or treatment tanks
- Grey water recycling systems, geothermal heating and cooling systems, and hot water heat exchange systems
No. Termite and pest damage isn’t typically covered by home insurance policies in WA, including ours. The reason for this is it's considered preventable through maintenance.
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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^ Awarded for Home Insurance product prior to 21 July 2025
*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.