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.
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.
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.
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.
60
No
Yes
$400
true
n/a
Up to 10% online discount
Yes
Optional Extra - Up to 120 days
Up to $2,000
Up to $20,000,000
n/a
n/a
Optional Extra
Yes
Yes
Yes
Yes
Optional Extra
Yes
Optional Extra, up to 10 years old
No
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Retaining walls and pathways covered. Up to $5,000 for plants.
Yes
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
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
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).
Happy to take your money but will do everything to avoid paying out on claims. Run as a business with main interests being profit not customer satisfaction. Inspectors are rude and intimidating untrained. Waste of time dealing with them.
Read full reviewHappy to take your money but will do everything to avoid paying out on claims. Run as a business with main interests being profit not customer satisfaction. Inspectors are rude and intimidating untrained. Waste of time dealing with them.
I am concerned that when it comes to crunch time, Allianz may not come to the party, but as a competitor they definitely have the cheapest rates.
Read full reviewI am concerned that when it comes to crunch time, Allianz may not come to the party, but as a competitor they definitely have the cheapest rates.
Never had a problem but never needed to make a claim.
Read full reviewNever had a problem but never needed to make a claim.
Allianz are a trusted insurance company. I am very happy with their professional service.
Read full reviewAllianz are a trusted insurance company. I am very happy with their professional service.
We are waiting on a claim approval for almost 6 months now. Although good to talk to on the phone, the process for repair is taking a little too long.
Read full reviewWe are waiting on a claim approval for almost 6 months now. Although good to talk to on the phone, the process for repair is taking a little too long.
