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. 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 |
| 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 |
*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.
I would never recommend this company. I had held insurance with this company for fourteen years with one minor claim previously. From the moment you make a claim they are searching for reasons not to pay it. They make things difficult. They require endless documentation that I’ve never come across any other insurance company has requested. Even when you supply everything they have requested, they then look at other reasons why the shouldn’t pay. Things that are covered in the PDF they refused to cover. I found the constant arrogant customer service beyond belief. This situation is currently With the financial services ombudsman. The policy is not value for money if they refuse to payout claims when the need arises.
Read full reviewI would never recommend this company. I had held insurance with this company for fourteen years with one minor claim previously. From the moment you make a claim they are searching for reasons not to pay it. They make things difficult. They require endless documentation that I’ve never come across any other insurance company has requested. Even when you supply everything they have requested, they then look at other reasons why the shouldn’t pay. Things that are covered in the PDF they refused to cover. I found the constant arrogant customer service beyond belief. This situation is currently With the financial services ombudsman. The policy is not value for money if they refuse to payout claims when the need arises.
For me and my family It was the best experience, completely different from negative seen in many reviews there. 1. Value for the money. It was the cheapest policy ( I compared with 10s of different companies) and with reasonable coverage and compete replacement option. 2. Making a claim . It was not very fast or easy process: they asked for many supportive documents. Some of them seem " too much" for me and my contractors. But I did not feel stressed: Claim Manager has been helpful , knowledgeable and patient. She allowed me extra time to get documents due to my health issues. I would use them again and recommend to my close friends.
Read full reviewFor me and my family It was the best experience, completely different from negative seen in many reviews there. 1. Value for the money. It was the cheapest policy ( I compared with 10s of different companies) and with reasonable coverage and compete replacement option. 2. Making a claim . It was not very fast or easy process: they asked for many supportive documents. Some of them seem " too much" for me and my contractors. But I did not feel stressed: Claim Manager has been helpful , knowledgeable and patient. She allowed me extra time to get documents due to my health issues. I would use them again and recommend to my close friends.
Positive experience. Clear guidance in policy and claim when needed.
Read full reviewPositive experience. Clear guidance in policy and claim when needed.
Great company, great customer service.
Read full reviewGreat company, great customer service.
When my unit floors were damaged due to a leak in a pipe, overall, I think Allianz did a good job of managing my claim, keeping me informed and I revived the compensation I needed.
Read full reviewWhen my unit floors were damaged due to a leak in a pipe, overall, I think Allianz did a good job of managing my claim, keeping me informed and I revived the compensation I needed.