Insure your house inside and out from loss or damage caused by one or more of the listed insured events.
Get cover for your home buildings and your contents by combining buildings and content covers on the one policy.
If you take both Building and Contents insurance here’s how they can work together if the unexpected occurs:
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
The better you understand your policy, the easier it will be if you ever have to claim. Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover. Select the cover to suit your needs.
Rebuilding professional fees
If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected
Allianz offers cover for out of the ordinary but devastating events such as fire7 including bushfire7 and grassfire7, earthquake8 and burglary.
Making your buildings environmentally friendly
If your buildings are totally destroyed and needs to be rebuilt, in addition to your buildings sum insured, Allianz will pay $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Alternative accommodation for you and your pets
If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Replacement locks
Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen.
Vandalism or malicious damage
Allianz will cover you for loss or damage caused by vandalism or a malicious act.
Debris removal
In addition to your buildings and/or contents sum insured, Allianz will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.
Legal liability
Allianz will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents).
24/7 claims assistance
When you need to make a claim, Allianz are there for you with 24-hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.
Cover when you’re moving house
Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Apply to add any of these optional covers for an additional premium and greater cover.
| Optional cover | Description |
| Accidental damage | The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents. |
| Portable contents | You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home |
| Motor burnout | The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover. |
| Domestic workers’ compensation cover | Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS. |
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents Key Fact Sheet/s also available for reference.
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.
How to make a Home and/or Contents Insurance claim?
Do what you reasonably can to prevent any further loss, damage, or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property. Start your Home Insurance claim online 24/7. Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.
Alternatively, you can contact the Claims Call Centre on 1300 555 030 to submit your claim. The claims consultant will help you through the home and contents insurance claims process.
I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?
You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure
It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.
How much will I be covered for?
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) - so you should also be careful not to over insure.
That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.
Home Building replacement calculator
Value my home
Home Contents replacement calculator
Value my contents
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
Am I covered for Flood?
Flood cover is a Standard inclusion for all Home and Contents Insurance policies that start from 14 January 2025.
For Home and Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:
For full details of terms, conditions, limits, and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.
How do I know if I have optional covers on my policy?
Will I be covered if my drone is damaged or stolen within my home?
What does it mean if I take the Accidental Damage cover option?
Accidental Damage is optional and provides cover in the event of damage caused by accidental, unexpected mishaps that are caused unintentionally, not just the specified insured events.
If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:
What do I do if I rent my home out to tenants?
If you’re renting your entire home out to tenants, cover is not available under a Home and Contents Insurance policy you may need to consider Landlord Insurance, you can find out more here. If you rent out part of your home while you live at the same address, please contact us so we can determine if you are eligible for this product.
How is my insurance premium calculated?