If you’re after a policy that combines wide-ranging cover with plenty of value, Allianz Contents Insurance is well worth a look. Lost cash is covered up to $2,000, as are any lost credit cards. As for jewellery, antiques and handwoven carpets, you’ll be covered for up to $2,500 per item, with a $7,500 total limit per item category.
Under the standard policy, your belongings will be covered in the event of a fire, theft, storm or act of vandalism. And you can expect Allianz to replace any lost or damaged items with brand new ones, no matter how old the original items were. If, however, you’re after flood, portable contents, or accidental damage cover, you’ll need to take them out as optional extras.
There are also a number of discounts on the table which are sure to sweeten the deal. These include a 10% discount when purchasing a new policy online, plus a 10% discount if you combine your policy with Allianz Building Insurance.
You’ll also receive a 10% no claims bonus on your renewal premium after every claim-free year. This is capped at 30%, and will decrease by 10% with each claim you make until it returns to 0%. If you haven’t made any home or contents insurance claims in the last five years, you’ll immediately qualify for the maximum discount.