Name: Allianz home insurance
Brand: Allianz
Rating: 3.6 (408 reviews)

Building Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

No

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

n/a

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Excess of $250 applies

Storm surge

No

Fusion

Optional extra - up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

No

Monthly payments cost extra

No

General contents

No

Contents while moving

No

Antiques and valuables

No

Cash

No

Cd dvd and electronic files

No

Computer software and hardware

No

Camera and accessories

No

Carpets

No

Home office contents

No

Identity theft

No

Jewellery

No

Personal medical equipment

No

Replacement of documents

No

Tools of trade

No

Lock replacement

Up to $1,000

Emergency storage

No

Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost

Temporary accommodation for pets

Up to 12 months, up to $500

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

No

Demolition cost

Up to 10% of sum insured combined with debris removal cost

Debris removal

Up to 10% of sum insured combined with demolition cost

Landscaping

Retaining walls and pathways covered. Up to $5,000 for plants.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

90

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

No

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

n/a

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Excess of $250 applies

Storm surge

No

Fusion

Optional extra - up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

No

Monthly payments cost extra

No

General contents

Yes

Contents while moving

Optional Extra

Antiques and valuables

Up to $2,500 per item or set, $7,500 in total combined with cameras and accessories

Cash

Up to $2,000

Cd dvd and electronic files

Up to $2,000 in total combined with computer software

Computer software and hardware

Up to $1,500 per item

Camera and accessories

Up to $2,500 per item or set, $7,500 in total combined with antiques and valuables

Carpets

Yes

Home office contents

Up to $1,500 per item, up to $10,000 in total

Identity theft

No

Jewellery

Up to $2,500 per item, up to $7,500 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $1,500 per item, up to $10,000 in total

Lock replacement

Up to $1,000

Emergency storage

Up to 12 months

Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost

Temporary accommodation for pets

Up to 12 months, up to $500

Temporary repairs

No

Buildings and structural improvements

No

Building materials

No

Demolition cost

No

Debris removal

Up to 10% of sum insured

Landscaping

No

Gates and fences

No

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

90

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Home & Contents Insurance
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

No

Underinsurance protection

No

New for old replacement

Yes
No Partner link

Underinsurance protection

No

New for old

Yes

Building cover

Contents cover

Fire

Yes

Theft or burglary

Yes

Storm

Yes

Flood

Yes

Lightning

Yes

Earthquake

Excess of $250 applies

Storm surge

No

Fusion

Optional extra - up to 10 years old

Power surge

No

Accidental loss and damage

Optional Extra

Accidental breakage of glass

Yes

Death and injury cover

No

Monthly payments cost extra

No

General contents

Yes

Contents while moving

Optional Extra

Antiques and valuables

Up to $2,500 per item or set, $7,500 in total combined with cameras and accessories

Cash

Up to $2,000

Cd dvd and electronic files

Up to $2,000 in total combined with computer software

Computer software and hardware

Up to $1,500 per item

Camera and accessories

Up to $2,500 per item or set, $7,500 in total combined with antiques and valuables

Carpets

Yes

Home office contents

Up to $1,500 per item, up to $10,000 in total

Identity theft

No

Jewellery

Up to $2,500 per item, up to $7,500 in total

Personal medical equipment

Yes

Replacement of documents

No

Tools of trade

Up to $1,500 per item, up to $10,000 in total

Lock replacement

Up to $1,000

Emergency storage

Up to 12 months

Temporary accommodation

Up to 12 months, up to 10% of sum insured combined with debris removal cost and demolition cost

Temporary accommodation for pets

Up to 12 months, up to $500

Temporary repairs

No

Buildings and structural improvements

Yes

Building materials

No

Demolition cost

Up to 10% of sum insured combined with debris removal cost

Debris removal

Up to 10% of sum insured combined with demolition cost

Landscaping

Retaining walls and pathways covered. Up to $5,000 for plants.

Gates and fences

Yes

Legal liability cover

Up to $20,000,000

Days unoccupied until cover stops

90

Other restrictions

-

Other benefits

-

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer reviews

Important disclosures

Important information about the Mozo customer ratings

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.

Elizabeth

South Australia - 5 months ago

Product name: Home & Contents Insurance

0.5

Bad service could not recommend them at all.

Claim made due to water coming up to back door when it rained. Building company came showed pics on phone of situation builder took the photos plus personal ones. Had issues getting photos removed plus getting confirmation it was done. Had the rudest customer service person to deal with and her supervisor was not much better. She wouldn't return my calls. They knocked back claim. It was my problem to fix as it was storm water. I had never made a claim for anything and had been with them for 15+ years. I would NOT recommend them to anyone and have gone to a new company.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Wood

South Australia - 7 months ago

Product name: Contents Insurance

0.5

Cara

I have never put in insurance claim for years and when I did it was promptly rejected. My induction stovetop was cracked and Allianz tried to deny us a replacement one on the cheaper model. Did not negotiate or include delivery or installation costs. Allianz was misleading and deceptive. Poor customer service being put on hold constantly. They did not listen and had all the power to reject my claim. I am in the process of making a formal complaint. I have never been happy with them. The $600 excess is exorbitant and unnecessary. Do not trust Allianz.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Joshua

Queensland - 11 months ago

0.5

Waste of Time and Money

After a 9 month legal battle to get a non-paying tenant out I had to wait 5 more months of unpaid rent for Allianz to tell me my insurance didn't cover theft from the tenant only malicious damage. The tenant had removed the entire kitchen and internal doors so I was unable to rent it, now I have to have it all replaced...read the fine print!!!!!

Price

2.0
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Zoe

Queensland - about 1 year ago

Product name: Home & Contents Insurance

2.5

My customer satisfaction remains neutral..

I'm not really sure about my home & contents insurance, as I've never had to make a claim.. (touch wood) I'm simply rating them on name, and reputation alone.. They're surely not the worst insurer out there, so I'm told. However, I rarely hear from them, (if at all) in regards to customer products, updates or general business.

Price

3.0
Features

2.5
Service

2.0

Craig

Queensland - over 1 year ago

Product name: Home & Contents Insurance

0.5

Allianz insurance is a no go

This insurance company is a no go. They cancelled our home and contents insurance after a year because we have 7 sheep and 7 chickens. They says it because we more than 6 livestock. ?????? We are on 5 acres. What a bunch of monkeys.

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Caroline

Western Australia - over 1 year ago

Product name: Home & Contents Insurance

0.5

No customer loyalty - badly let down, very angry

Consumer beware. Allianz can cancel your home and contents insurance based on ‘intent’ to rent. We recently decided to rent our home for 4 months when travelling around Australia and contacted Allianz to enquire about landlords insurance. As we understood reluctance and inability for insurance companies to provide cover for Airbnb and/or short term holiday rental we emphasised this was our home and had engaged a real estate company to manage the rental of our home. By the end of the phone call which initially was simply to ask if they could provide landlord insurance under these circumstances, Allianz decided that because it was indeed listed online and they don’t provide landlord insurance for under 12 months, they would not only be unable to provide landlord insurance BUT they would also be cancelling our current home and contents insurance. In response to a formal complaint lodged we were reminded by Allianz that they could cancel our insurance (notwithstanding we had been loyal customers for 30+years and had obtained landlord insurance with them previously) by simply advertising it for rent! They did not require a lease agreement to cancel and we were told if we changed our mind about renting it or were still residing in our home after their arbitrary cancellation date we could contact them and request a continuation of our policy. Needless to say we cancelled our policy with Allianz immediately and have obtained insurance through a more flexible (and cheaper) company

Price

0.5
Features

0.5
Service

0.5
Convenience

0.5
Trust

0.5

Sally

New South Wales - over 1 year ago

Product name: Home & Contents Insurance

4.5

Reliable and helpful service

We've found Allianz to be reliable and efficient. For the first time, I've had to make a claim for home & contents insurance. It was a straightforward process and the Allianz team were able to provide helpful info throughout. We were satisfied with the experience. They also seem to be competitively priced compared to other providers.

Price

4.0
Features

4.5
Service

4.5
Convenience

4.0
Trust

3.5

Julie

New South Wales - almost 2 years ago

Product name: Building Insurance

5.0

Good friendly service

Very happy with the people i have spoken with. Pleased with the price we pay.

Price

5.0
Features

5.0
Service

5.0
Trust

5.0

Edward

Queensland - almost 2 years ago

4.5

Great communication

Although we have never required to claim, I have contacted them retarding certain issues and have found them friendly and answered questions quickly. Also as I always request a follow-up email, that was completed very quickly. Thumbs up to their staff.

Price

4.5
Features

3.0
Trust

4.5

Ken

New South Wales - almost 2 years ago

Product name: Home & Contents Insurance

0.5

Not the cheapest and deny legitimate claims

Would not recommend or re-insure as they are not to be trusted to honour their policy. Not the cheapest so you would expect reasonable service. Making a claim for water damage (burst pipe in internal wall) was easy. Then they went to the expense of flying their "tame" assessor 800 km. to assess the damage and who politely refused the claim even though the policy clearly states that the event is "covered". They claimed that a split solder joint in an internal wall is a "maintenance issue".

Price

2.5
Features

3.0
Service

3.5
Convenience

3.5
Trust

0.5

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Disclaimer

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Allianz home insurance

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