It's your personal belongings that make the house your home - protect them with Allianz Contents Insurance through Heritage Bank. Contents Insurance can cover your important items from damage or loss caused by insured events such as fire, storm or theft.
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 contents insurance policy. For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the applicable Key Fact Sheets (KFS) before making a decision to purchase the insurance. Select the cover to suit your needs.
Effective 16 December 2019
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).
Allianz will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
If your home building is unable to be lived in, Allianz will pay to move and store your contents for up to 12 months.
Allianz will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.
If your 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 for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay up to the amount specified in the PDS for you to replace it.
When you need to make a claim Allianz is there for you with a 24 hour claims line, helping you get back on track again as soon as possible.
Allianz will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Add any of these optional covers for an additional premium and greater cover.
|Accidental damage||The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.|
|Portable contents||Optional cover to protect 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.|
|Motor burnout||The Motor burnout option covers you if an electrical current damages your household electrical motors.|
|Flood cover||Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.|
|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.|
Policies purchased before 16 December 2019
If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Product Disclosure Statements, any applicable supplementary PDS and the Buildings or Contents Key Fact Sheets.
What do I do if I need to make a contents insurance claim?
Am I covered for Flood?
What does it mean if I take the Accidental Damage cover option?
This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.
If you have contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.
We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
I am moving, do I need to have two insurance policies to cover me at both locations?
Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?
What is considered ‘unable to be lived in’?
How do I know if I have optional covers on my policy?