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Features and Benefits

Rebuilding and professional fees - If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected - Allianz offers cover for out of the ordinary but devastating events such as fire (7), storm (7) and burglary.
Cover for storm damage - Covers loss or damage by storm, cyclone (7), rain water, runoff (provided run-off is not combined with flood waters) and, if caused by and occurs within the first 72 hours following a storm, Allianz provides cover for loss or damage caused by soil movement, landslide, mudslide or subsidence.
Making your buildings environmentally friendly - If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Alternative accommodation for you and your pets - If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz will pay the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Replacement locks - Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied.
Vandalism or malicious damage - Allianz will cover you for loss or damage caused by vandalism or a malicious act.
Debris removal - In addition to your buildings sum insured, Allianz will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.
Legal liability - Allianz will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents).
24/7 online claims lodgement - When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online. You can also call the claims line to commence the claims process over the phone during their operating hours.
Cover when you’re moving house - Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Understanding your policy

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also set out some information about the cover.

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply.

Buildings

Buildings insurance is designed to cover the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Contents

Contents insurance covers the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.

So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

Add any of these optional covers for an additional premium and greater cover.

  • Accidental damage - The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
  • Portable Contents - You can choose optional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
  • Motor burnout - The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.
  • Flood cover - Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies (7).
  • Domestic workers’ compensation cover - Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Get cover for your home buildings and your contents by combining buildings and contents covers on the one policy.

If you take both Building and Contents insurance here’s how they can work together if the unexpected occurs:

  • Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents covers, you could rebuild and replace your insured belongings.
  • A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
  • A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.

Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.

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Home and Contents Insurance questions and answers

Do what you reasonably can to prevent further loss, damage or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property.

Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

In order to be sure that you are covered under this policy you should always contact Allianz for approval before you incur expenses you wish to claim.

If you do not, Allianz will pay for expenses incurred to the amount Allianz would have authorised had you asked Allianz first.

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out.

People generally want enough insurance to cover the property’s estimated replacement value.

If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over-insure.

You can get an estimate on the value of your home buildings and contents by using the calculators Allianz provides access to below.

Value my home

Value my contents

If you are altering the security on your property you should inform Allianz as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us.

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

You can also contact Allianz if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take out additional cover options that may be available.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because they has been a material change to the risk,
  • decide not to offer to renew your policy.

You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000.

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  •  propose changes to the terms and conditions of your policy,
  •  charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz are no longer prepared to insure you because there has been a material change to the risk,
  • decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • propose to charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz are no longer prepared to insure you because there has been a material change to the risk.

 

If you’re renting all of your home out to tenants, cover is not available under a Home and Contents Insurance policy.

Cover is not available for these types of losses under our Home and Contents Insurance.

If you rent out part of your home while you live at the same address, please contact Allianz so Allianz can determine if you are eligible for this product.

 

To help you estimate the replacement value of your buildings and/or contents, you can use the calculators Allianz provides access to below:

Value my home

Value my contents

You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent Allianz are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

  • propose changes to the terms and conditions of your policy,
  • propose to charge you a higher premium,
  • cancel your policy if there is a change and Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz are no longer prepared to insure you because there has been a material change to the risk.

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover.

These items must be specified on your policy as Listed Portable Contents to be covered under this option.

Allianz will not cover cracked glass or screens where this is the only damage to the item.

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents.

However, these items will not be covered while they are being used.

Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property.

They are not covered when in use, used for business or when they are not at the insured address.

More FAQ's

How we can help

Get a quote

Give us a call or drop into your local branch.

Call 13 13 86

Make a claim

Get started with an Allianz claims consultant.

Call 1300 555 030

Allianz Customer Service

Got a question about an existing Allianz policy?

Call 1300 139 418

Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992 AFSL/Australian credit licence 238273 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We are unable to provide you with any general or personal advice regarding the Allianz insurance products offered. Accordingly, we do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available here. The relevant Target Market Determination is available by calling 13 13 86.

Please also consider our Financial Services Guide, which describes the services we offer and how, before deciding whether to use the services offered by us. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

*$150 eGift card will be issued for each new Home or Landlord (including building cover)or Comprehensive Motor Insurance policy taken out through Greater Bank between 25/03/2024 and 19/05/2024. The eGift card will be issued by True Rewards Pty Ltd (ABN 80 632 364 759) on behalf of Greater Bank. Greater Bank may withdraw or amend this offer at any time without notice. Full terms and conditions, including eligibility criteria, available here.

1. Online discount - When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. 

2. Combined - A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional covers.

4. Minimum premiums - If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers' compensation / Landlord workers' compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

6. Instalment premiums - If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

7. 72 hour exclusion period - We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.​