Home and contents insurance

large white home

Get protection for your home buildings and your contents by combining buildings and contents 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 fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
  • 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.

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Features & Benefits of insuring with Allianz through Aussie

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.

Effective 18 November 2019

Cover for the unexpected

Allianz offers protection for out of the ordinary but devastating events such as fire, storm and burglary.

Cover for storm damage

Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

Replacement locks

Allianz will cover for 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 or you believe the key has been copied

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.

24/7 emergency claims assistance

When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.

Cover when you’re moving house

Allianz will cover for your contents against 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).


For full details, of the terms, conditions, limits and exclusions that apply please read the Home and Contents Insurance Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Buildings and Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.



Add any of these optional covers for an additional premium and greater cover

 

Accidental damage

Optional cover designed to help protect 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 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 

Optional cover in the event an electrical current damages your household electrical motors.

Flood cover

Flood cover may be available as an optional cover to your buildings and/or 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.

Applying for cover online is fast and easy

Or speak with an insurance specialist on 1300 491 283


By proceeding to get a quote, you agree to receive the
Financial Services Guide (FSG) on this website. 

If you purchased an Allianz Home or Landlord Insurance before 18 November 2019, please refer to the relevant Product Disclosure Statements, any applicable supplementary PDS and the Key Fact Sheets (KFS).

 

Disclaimers

AHL Investments Pty Ltd ABN 27 105 265 861 (Aussie) Australian Credit Licence 246786 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement (Allianz Home and Contents Insurance Product Disclosure Statement or Allianz Landlord Insurance Product Disclosure Statement). If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1 A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. Applies only to Home & Contents. 

2 If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced.  For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.

Discounts do not apply to taxes or government charges.

Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). 

Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.