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Allianz Home & Contents Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Optional Extra
Storm
Yes
Building cover
Contents cover

Mozo editorial review Allianz Home & Contents Insurance

Last updated: 24 February 2021.

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What's hot
  • Multiple discounts available
  • Choice of excess
  • New for old replacement available
What's not
  • No cover for underinsurance
  • 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 those moments where things just go wrong. To keep things affordable there's an online sign-up discount, a no claims bonus and 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, accidental damage cover and insurance for potable contents onto your policy as an optional extra (just remember this comes with an increase to your premium).

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 on your first yearly premium for applying online and a no claims discount up to 30%.

One thing you’ll need to keep in mind is that there is no cover for boats, trailers and other vehicles on your property, lawns, pebbled paths or building under construction. And if you’re planning to move house anytime soon, there won’t be cover for your contents while you're in transit moving. You can take out the specific moving house cover, but that only covers items when they're inside your new or old home.

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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 17 June 2021. 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

  • No

  • Yes

  • $400

  • true

  • n/a

  • Up to 10% online discount. Up to 10% discount when you combine home and contents cover.

  • Yes

  • Optional Extra - Up to 120 days

  • Up to $2,000

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra

  • Yes

  • Optional Extra, up to 10 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • No

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

  • Yes

Contents
  • Up to $2,000

  • Up to $2,000

  • Up to $2,000

  • Yes

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

  • Yes

  • 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

  • No

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

  • No

  • Yes

  • 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
  • No

  • 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

  • No

  • Up to 14 days for Contents only

  • No

*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 on the provider's website for further information before making any decisions about an insurance product.

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
7.2/10
Policy coverage
7.6/10
Customer service
7.6/10
Claims handling
7.0/10
Trust
7.3/10

Latest reviews of Allianz Home & Contents Insurance

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About Allianz

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