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Allianz Home & Contents Insurance

Fire
Theft or burglary
Flood
Optional extra
Storm
Building cover
Contents cover

Mozo editorial review Allianz Home & Contents Insurance

Last updated: 15 May 2020.

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What's hot
  • 10% discount for new customers applying online
  • Choice of excess
  • New for old replacement available
What's not
  • No cover for underinsurance or contents while moving
  • Costs extra to pay monthly
Mozo snapshot

Your home is possibly your most valuable possession, so it makes sense to want to insure it with quality protection and the Allianz Home and Contents Insurance Policy does just that. This policy will cover your home and its contents against major disasters and in moments where things go wrong. There is even an online sign-up discount up for grabs, plus you’ll have your choice of excess.

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Key features

The Allianz Home and Contents Insurance Policy can help give your home the protection it needs during life’s unexpected moments. Your home and its contents will be covered against a range of events, including fires, storms and theft as well as veterinary expenses (up to $500), lock replacement (up to $1,000) and legal liability (up to $20 million). You can also add flood cover onto your policy as an optional extra.

From your credit card to jewellery, the Allianz Home and Contents Insurance Policy has your back when it comes to your homes’ contents. With this policy, items such as jewellery, antiques, trade tools and cameras are all covered - just be sure to read through your PDS to find out exactly how much you’ll be insured for.

Don’t forget, there are also a number of discounts available with this policy, including a 10% discount for applying online and a no claims bonus discount up to 30%.

One thing you’ll need to keep in mind is that there is no cover for underinsurance, uncut gems, identity theft and death and injury. And if you’re planning to move house anytime soon, there won’t be cover for your contents while moving. 

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Who is it good for

The Allianz Home and Contents Insurance could be a great pick for homeowners who don’t have any upcoming plans to move house and like the idea of paying their premium annually.

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Any catches

As there is no underinsurance cover with this policy, if you ever need to make a claim and are underinsured, you would need to fork out to cover the rest of the cost.

Details

Rates and fees information correct as at 21 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • $400

  • n/a

  • Up to 10% online discount

  • Optional Extra - Up to 120 days

  • Up to $2,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Optional extra

  • Optional Extra, up to 10 years old

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

Contents
  • Up to $2,000

  • Up to $2,000

  • Up to $2,000

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

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

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

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

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

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

  • Up to $1,500

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

Other cover
  • Up to $500

  • Up to $1,000

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

  • Up to 12 months, up to $500

  • Up to 12 months

  • Up to 10% of sum insured combined with demolition cost

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

  • Up to 14 days for Contents only

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are Allianz home insurance rated by the Mozo community?

Overall
7.5/10
Value for money
7.1/10
Policy coverage
7.6/10
Customer service
7.7/10
Claims handling
7.1/10
Trust
7.4/10

Latest reviews of Allianz Home & Contents Insurance

  • Overall 10/10
    Great insurer

    It is always very helpful in dealing with claims and it is very efficient and prompt. I also get money back very quickly.

    Read full review

    It is always very helpful in dealing with claims and it is very efficient and prompt. I also get money back very quickly.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Lucis, Victoria reviewed 5 days ago
  • Overall 2/10
    Prepare for 25 percent rate hikes.

    We were initially very happy with Allianz and then they jacked up our insurance bill by 25 percent in one year. The fact that they did that during a pandemic was appalling. When I phoned to express concern they just said that was standard for them and there was nothing they could do. Warning - do not use this provider. They are a rip off!

    Read full review

    We were initially very happy with Allianz and then they jacked up our insurance bill by 25 percent in one year. The fact that they did that during a pandemic was appalling. When I phoned to express concern they just said that was standard for them and there was nothing they could do. Warning - do not use this provider. They are a rip off!

    Value for money
    1/10
    Policy coverage
    7/10
    Customer service
    2/10
    Claims handling
    4/10
    Trust
    2/10
    Less
    Caroline, Queensland reviewed 2 months ago
  • Overall 10/10
    Very competitive pricing.

    A large company that has been around for a long time with competitive pricing.

    Read full review

    A large company that has been around for a long time with competitive pricing.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    -1/10
    Less
    Phillip, South Australia reviewed 3 months ago
  • Overall 6/10
    Over priced

    The premiums are way too high and increase hugely by the year. They do have a great service but they are not competitive in pricing. Services are not clear or flexible enough.

    Read full review

    The premiums are way too high and increase hugely by the year. They do have a great service but they are not competitive in pricing. Services are not clear or flexible enough.

    Value for money
    1/10
    Policy coverage
    10/10
    Customer service
    7/10
    Claims handling
    9/10
    Trust
    10/10
    Less
    Tanya, South Australia reviewed 3 months ago
  • Overall 9/10
    Great product and service.

    I prefer Allianz in my business as very competitive and customer service second to none.

    Read full review

    I prefer Allianz in my business as very competitive and customer service second to none.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Deborah, Queensland reviewed 10 months ago
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About Allianz

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