Building Insurance
- Main events covered
-
Fire -
Theft -
Storm -
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with debris removal cost
- Temporary accommodation for pets
-
Up to 12 months, up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Retaining walls and pathways covered. Up to $5,000 for plants.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $2,500 per item, up to $7,500 in total
- Cash
-
Up to $2,000
- Cd dvd and electronic files
-
Up to $2,000
- Computer software and hardware
-
Up to $1,500 per item
- Camera and accessories
-
Up to $2,500 per item, up to $7,500 in total
- Carpets
-
Yes
- Home office contents
-
Up to $1,500 per item, up to $10,000 in total
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, up to $7,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $2,500 per item, up to $7,500 in total
- Tools of trade
-
Up to $1,500 per item, up to $10,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with debris removal cost
- Temporary accommodation for pets
-
Up to 12 months, up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Home & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
FloodOptional Extra
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Optional Extra, up to 10 years old
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $2,500 per item, up to $7,500 in total
- Cash
-
Up to $2,000
- Cd dvd and electronic files
-
Up to $2,000
- Computer software and hardware
-
Up to $1,500 per item
- Camera and accessories
-
Up to $2,500 per item, up to $7,500 in total
- Carpets
-
Yes
- Home office contents
-
Up to $1,500 per item, up to $10,000 in total
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item, up to $7,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $2,500 per item, up to $7,500 in total
- Tools of trade
-
Up to $1,500 per item, up to $10,000 in total
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with debris removal cost and demolition cost
- Temporary accommodation for pets
-
Up to 12 months, up to $500
- Temporary repairs
-
No
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Retaining walls and pathways covered. Up to $5,000 for plants.
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Your selected home insurance
Allianz home insurance ratings
Customer reviews
-
Cara
I have never put in insurance claim for years and when I did it was promptly rejected. My induction stovetop was cracked and Allianz tried to deny us a replacement one on the cheaper model. Did not negotiate or include delivery or installation costs. Allianz was misleading and deceptive. Poor customer service being put on hold constantly. They did not listen and had all the power to reject my claim. I am in the process of making a formal complaint. I have never been happy with them. The $600 excess is exorbitant and unnecessary. Do not trust Allianz.
-
Waste of Time and Money
After a 9 month legal battle to get a non-paying tenant out I had to wait 5 more months of unpaid rent for Allianz to tell me my insurance didn't cover theft from the tenant only malicious damage. The tenant had removed the entire kitchen and internal doors so I was unable to rent it, now I have to have it all replaced...read the fine print!!!!!
-
My customer satisfaction remains neutral..
I'm not really sure about my home & contents insurance, as I've never had to make a claim.. (touch wood) I'm simply rating them on name, and reputation alone.. They're surely not the worst insurer out there, so I'm told. However, I rarely hear from them, (if at all) in regards to customer products, updates or general business.
-
Allianz insurance is a no go
This insurance company is a no go. They cancelled our home and contents insurance after a year because we have 7 sheep and 7 chickens. They says it because we more than 6 livestock. ?????? We are on 5 acres. What a bunch of monkeys.
-
No customer loyalty - badly let down, very angry
Consumer beware. Allianz can cancel your home and contents insurance based on ‘intent’ to rent. We recently decided to rent our home for 4 months when travelling around Australia and contacted Allianz to enquire about landlords insurance. As we understood reluctance and inability for insurance companies to provide cover for Airbnb and/or short term holiday rental we emphasised this was our home and had engaged a real estate company to manage the rental of our home. By the end of the phone call which initially was simply to ask if they could provide landlord insurance under these circumstances, Allianz decided that because it was indeed listed online and they don’t provide landlord insurance for under 12 months, they would not only be unable to provide landlord insurance BUT they would also be cancelling our current home and contents insurance. In response to a formal complaint lodged we were reminded by Allianz that they could cancel our insurance (notwithstanding we had been loyal customers for 30+years and had obtained landlord insurance with them previously) by simply advertising it for rent! They did not require a lease agreement to cancel and we were told if we changed our mind about renting it or were still residing in our home after their arbitrary cancellation date we could contact them and request a continuation of our policy. Needless to say we cancelled our policy with Allianz immediately and have obtained insurance through a more flexible (and cheaper) company
-
Reliable and helpful service
We've found Allianz to be reliable and efficient. For the first time, I've had to make a claim for home & contents insurance. It was a straightforward process and the Allianz team were able to provide helpful info throughout. We were satisfied with the experience. They also seem to be competitively priced compared to other providers.
-
Good friendly service
Very happy with the people i have spoken with. Pleased with the price we pay.
-
Great communication
Although we have never required to claim, I have contacted them retarding certain issues and have found them friendly and answered questions quickly. Also as I always request a follow-up email, that was completed very quickly. Thumbs up to their staff.
-
Not the cheapest and deny legitimate claims
Would not recommend or re-insure as they are not to be trusted to honour their policy. Not the cheapest so you would expect reasonable service. Making a claim for water damage (burst pipe in internal wall) was easy. Then they went to the expense of flying their "tame" assessor 800 km. to assess the damage and who politely refused the claim even though the policy clearly states that the event is "covered". They claimed that a split solder joint in an internal wall is a "maintenance issue".
-
Absolutely rubbish
Buyer beware, this is the worst company I have had the misfortune of dealing with, they try & deny everything, only way to get anything done was by complaining to the ombudsman, can’t get through to anyone, wait times are ludicrous
Allianz products
Home insurance quick links
* 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.
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