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Features and Benefits

Save up to 10% on your first year’s premium when you purchase a new contents policy online. (1,4)
You may qualify for up to 30% No Claim Bonus. (3,4)
Option to increase your excess which may reduce your premium. (5)
Pay by the month at no extra cost. (6)
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 contents insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Contents Key Fact Sheet (KFS) before making a decision to purchase the insurance.

Select the cover to suit your needs. Effective 22 February 2021.

  • 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).
  • Additional costs of alternative accommodation for you and your pets - If your 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 pay the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment .
  • Debris removal - Allianz will pay up to 10% of the contents sum insured for removal of debris from the home building if your contents are damaged or destroyed by an insured event.
  • Food or medicine spoilage - If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay for you to replace it. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum Allianz will pay is $500. No excess will apply.
  • Guest, visitor and domestic helper property - Allianz also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
  • Cover for events - Allianz will cover you up to your contents sum insured for loss or damage caused by storm, cyclone, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.
  • Cover for storm damage - Rest easy, within the first 72 hours following a storm, Allianz provide cover for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
  • 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). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
  • Accidental damage cover for you rental property - Allianz will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.

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

  • Accidental damage - The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.
  • Portable contents - Optional cover to protect 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 added to your contents policy for an additional premium. A 72 hour exclusion period applies.

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Renter's 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 renters 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 we would have authorised had you asked us first.

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

Allianz will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

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.

You need to provide evidence of the value and ownership of both listed and unlisted portable contents.

How we can help

Get a quote

Give us a call or drop into your local branch.

Call 1300 651 400

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 Limited ABN 88 087 651 956. AFSL/Australian Credit Licence No. 237476 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. 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, any applicable supplementary PDS and Home Buildings and Home Contents key fact sheet/s also available for reference. 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.

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

A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. This combined discount does not apply to Landlord Insurance policies.

3. NCB - When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

4. 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.

5. Excess reduction - Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

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.