Home & Contents Insurance

Building and Contents Insurance

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:

• Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents Covers, you could rebuild and replace your insured belongings.
• A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings Cover and replace the items that were stolen under your Contents Cover.

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.

Features and benefits

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.

Optional covers

Apply to add any of these optional covers for an additional premium and greater cover.

Optional cover – 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.

Optional cover – 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.

Optional cover – Motor burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.

Optional cover – Domestic worker’s 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

Home Insurance Calculators

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

Make a claim

What do I do if I need to make a buildings 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. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz first.

Policy Documents and Key Fact Sheets

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.