Allianz Home & Contents Insurance

Allianz home and contents insurance

Allianz is a provider of home insurance, landlord insurance, renter’s insurance, car insurance, boat and marine insurance, aircraft insurance, travel insurance, life insurance, pet insurance, business insurance, and workers’ compensation.

“Aaaaaallianz Insurance.”

Policy Options: What Allianz home insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Home and Contents

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $10 million or $20 million depending on your choice of policy (maybe specify that there is SureCover, SureCover Plus and Surecover Gold) .
  • Damage or loss of your home building and its contents, caused by fire, break-in, or weather events such as storm or earthquake, up to sum insured.
  • Loss or theft of credit cards up to $2,500 or $5,000 depending on your choice of policy.
  • Replacement of locks and keys up to $1,000 or $2,000 depending on your choice of policy.
  • Contents in the open air are covered.
  • Contents in safe deposit box at bank are covered.
  • Security firm attendance after a security alarm incident, up to $500.
  • Vet bills if your pet is injured in a car accident, up to $500.
  • Modifications of building for paraplegia and quadriplegia.
  • Installation of environmental systems, such as rainwater tanks and solar power systems, after your building is destroyed and we have agreed to rebuild it, up to $5,000.
  • Fusion damage (burn-out of electrical motors) for motors up to 10 or 12 years old depending on your choice of policy. (Covered by two out of the three policy choices).
  • Spoilage of perishable food up to $500 or unlimited depending on your choice of policy. (Covered by two out of the three policy choices).
  • 10% discount for bundling your home and contents in one policy.
  • Optional cover for flood damage to building and contents.
  • Optional cover for portable valuables, such as jewellery and cameras.
  • Optional cover for strata title mortgage protection.
  • Optional cover for Domestic Workers’ Compensation.
  • SureCover Gold policy covers accidental damage, contents in transit when moving house, and legal defence costs.

Building Only

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $10 million or $20 million depending on your choice of policy.
  • Damage or loss of your home building caused by fire, break-in, or weather events such as storm or earthquake, up to sum insured.
  • Replacement of locks and keys after break-in, up to $1,000 or $2,000 depending on your choice of policy.
  • Modifications of building for paraplegia and quadriplegia.
  • Installation of environmental systems such as rainwater tanks and solar power systems, after your building is destroyed and we have agreed to rebuild it, up to $5,000.
  • Accidental breakage is covered; accidental loss or damage is covered with SureCover Gold.
  • Temporary accommodation while your home is unliveable, up to 52 weeks.
  • Fusion damage (burn-out of electrical motors) and spoilage of perishable food are covered with SureCover Plus and SureCover Gold.
  • Optional cover for flood damage to building.
  • Optional cover for Domestic Workers’ Compensation.

Contents Only

  • Liability cover for damage to other people and their property caused by an incident at your home connected to you owning or living there, up to $10 million or $20 million depending on your choice of policy.
  • Damage or loss of your contents caused by fire, break-in, or weather events such as storm and earthquake, up to sum insured.
  • Accidental breakage is covered; accidental loss or damage is covered with SureCover Gold.
  • Contents in the open air are covered.
  • Loss or theft of credit cards up to $2,500 or $5,000 depending on your choice of policy.
  • Replacement of locks and keys up to $1,000 or $2,000 depending on your choice of policy.
  • Contents in safe deposit box at bank are covered.
  • Security firm attendance after a security alarm incident.
  • Vet bills if your pet is injured in a car accident, up to $500.
  • Fusion damage (burn-out of electrical motors) and spoilage of perishable food are covered with SureCover Plus and SureCover Gold.
  • Contents in transit when moving house and legal defence costs are covered with SureCover Gold.
  • Optional cover for flood damage to contents.
  • Optional cover for portable valuables, such as phone and laptop.
  • Optional cover for strata title mortgage protection.
  • Optional cover for Domestic Workers’ Compensation.

Renter’s Contents Only

  • Policy premiums of from $1.00/day at the time of writing.
  • Liability cover for damage to other people and their property caused by an incident at your home connected to you living there, up to $10 million.
  • Damage or loss of contents caused by fire, break-in, weather events including flood, storm, and earthquake, up to sum insured.
  • Accidental breakage is covered; accidental loss or damage is covered with SureCover Gold.
  • Contents in the open air are covered.
  • Loss or theft of credit cards up to $2,500 or $5,000 depending on your choice of policy.
  • Replacement of locks and keys up to $1,000.
  • Contents in safe deposit box at bank are covered.
  • Security firm attendance after a security alarm incident.
  • Vet bills if your pet is injured in a car accident, up to $500.
  • Optional cover for flood damage to contents.
  • Optional cover for portable valuables, such as phone and laptop.
  • Optional cover for strata title mortgage protection.
  • Optional cover for Domestic Workers’ Compensation.
  • Fusion damage (burn-out of electrical motors), contents in transit when moving house, legal defence costs, and spoilage of perishable food are covered with SureCover Plus and SureCover Gold.

Landlord Insurance

  • Protection for your investment property.
  • Liability cover for damage to other people and their property caused by an incident at the property you own, up to $10 million.
  • Damage or loss of building and contents landlord owns or is responsible for, caused by fire, theft, and storms, up to sum insured.
  • Optional cover for rent default and theft by tenant.

Policy Benefits: Why choose Allianz

  • Online discount: At the time of writing, Allianz offers a 10% discount for buying online, and you can get a quote in 2 minutes.
  • Claims process: Allianz lets you claim online, and they also have a 24/7 phone helpline for claims with their Australia-based call centre.
  • Lower your premium: No Claims Bonus provides up to 30% discount. Increase your excess to reduce your premium. Allianz home insurance covers in three levels (SureCover, SureCover Plus, and SureCover Gold), so you can choose the level of cover that suits your budget.
  • Emergency Home Assistance: Add this cover to your home insurance policy (at an additional cost) to receive a number of free 24/7 emergency call-outs by tradesmen. They can help with the 10 most common problems: locked out of the house, gas leak, blocked toilet or drain, broken external door or window, broken hot water system, internal leak from damaged roof or guttering, blackout or power failure, burst pipe, broken heating or cooling system, and burst tap or showerhead. Available for owner occupiers and landlords. Watch an ad for their services on their YouTube channel.

About Allianz

The Allianz story began way back in 1914 as the Manufacturers’ Mutual Accident Insurance Association. Allianz AG acquired the majority shareholding in MMI in 1998 and changed their name to Allianz Australia in 2000. Allianz employs around 3,800 people.

Allianz is the trusted insurer for many Australian homes, and in 2014 they had over 3 million customers across home owners, drivers, travellers, and business owners.

Allianz has won a CANSTAR 5-star rating for car insurance many times, starting in 2007.

Allianz have made their unusual name highly memorable with their “Aaaaallianz Insurance, how can we help?” ads on TV for home and car insurance, like this one about the hose that got away. Their official slogan, however, is “You’ll be okay with Allianz”. Check out their hilarious ads – and helpful hints – on their YouTube channel.

How Allianz supports the community

  • Allianz contributes to many local community activities and charities including the Cancer Council, RSPCA, and Starlight Children’s Foundation, through customer and workplace giving.
  • Allianz has sponsored the Australian Paralympians since 2011.
  • Allianz grants their Young Achiever Awards every year in SA and the NT to young people achieving excellence in regional and rural areas.

How Allianz supports the environment

  • Allianz became a carbon neutral business in 2012.
  • Allianz is a member of the Australian government’s Greenhouse Challenge Plus program.
  • Allianz blitzed its goals for 2015, including reducing carbon emissions by 41% in 2014 against 2006 levels, beating its 35% goal; and reducing energy consumption per employee by 27% in 2014 against 2010 levels, leaving its 10% goal in the dark.
  • To achieve this, Allianz reduced paper use, has invested in document imaging technology and web-based training for its employees, increased recycling activities, and reduced energy usage across its business.

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 Written by: TJ Ryan