Get covered for floods with Allianz Home Insurance

Last updated on May 8, 2025

Allianz flood cover

In response to the recent floods that have devastated Australia, new and renewing Allianz Home and Landlord Insurance policies effective from 14 January 2025 will include flood cover as standard.

Some renewing customers may not have had flood cover included in their policy if they met certain criteria (see 'Renewing Allianz customers' section below).

Our updated Home and Landlord Insurance with flood cover as standard can cover you from loss or damage caused by: 

flood¹
run-off
flood water combined with run-off and/or rainwater¹

You’re also covered for loss or damage caused by or arising from the following (if it’s caused directly by and occurs within 72 hours of a flood):

soil movement
erosion
landslide
mudslide
subsidence

What is a ‘flood’?

Flood is defined as:

The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:

a lake (whether or not it's been altered or modified),
a river (whether or not it’s been altered or modified),
a creek (whether or not it’s been altered or modified),
another natural watercourse (whether or not it‘s been altered or modified),
a reservoir,
a canal, or
a dam.

For example, if a river bursts its banks and damages your home, Allianz Home Insurance can cover you.

What is ‘run-off’?

We also cover run-off as part of our flood cover. We define run-off as:

Rainwater that has collected on or has flowed across normally dry ground or has overflowed from swimming pools or spas, provided such rainwater is not combined with flood waters.

For example, if a large amount of rain falls and overflows into your home, we can cover you for the damage.

Renewing Allianz customers

If you’re a renewing customer, you may not have flood cover included in your policy if: 

you previously opted out and met certain flood risk criteria
we weren’t able to offer you flood cover 
we've agreed you can opt-out of flood cover as standard

If you’d like to find out whether your Home Insurance policy currently has flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000. 

What damage is common in a flood?

The first step to help you, your family, and your community to prepare for flood events is to understand the common risks. These may include:

Structural Damage

This is any damage that may occur to the main structure of the home, any load baring walls or frames that may have become weakened after a flood. Damage can be caused by debris such as trees, cars or sheds that may have been lifted and carried around by a flood.

Unseen Risks

During a flood your home or your belongings may have moved under the water, leaving potential submerged hazards, such as broken furniture, glass, or loose cords under the floodwaters.

Electrical Hazards

Floods can cause extensive damage to the electricity networks and even create electrical hazards such as live wire burns or electric shocks. Electrical equipment such as white goods, TVs and laptops that have gotten wet can also present a risk.

Contaminated Water

Pollutants such as liquid waste or sewage water can infiltrate into water supplies through floodwaters by carrying viruses, bacteria and parasites causing contamination by floodwater.

Mould

With any water damage, there is a high risk of mould developing within the property or within possessions such as carpets, bedding and mattresses that have come into contact with water.

It is important to understand your risks and avoid entering floodwater where possible. It is also crucial in situations of heavy rainfall to be conscious of your surroundings and stay alert on developing weather conditions. Being aware of the precautions you can take can keep your family safe and help you mitigate the impact of the flood on your property and belongings.

Making a flood insurance claim

If you’ve been affected by a flood, you can make a claim for flood damage online, call our Claims Team on  13 10 13, or visit us at your local Recovery Centre. We’ll need your policy details, but if you don’t have them on hand, our team will be able to assist you with any details you’re able to provide. If it’s safe to do so, take as many photographs as possible of the damage sustained from the flood to assist in your claim.

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Disclaimer

This article has been prepared by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL234708 ("Allianz"). In some cases, information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.

Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Allianz, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.

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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.