Allianz Home & Contents Insurance

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Allianz offers a wide range of insurance and risk management products and services, including personal insurance, commercial and business insurance, and corporate insurance.

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What do Allianz home and contents insurance policies cover?

Allianz offers both building insurance and contents insurance, as well as home and contents insurance which combines building and contents insurance on the one policy. The policies covers the cost of rebuilding or replacing your home and/or contents, if you have experienced loss or damage caused by the following insured events:

  • Fire, smoke or explosion
  • Theft or burglary
  • Storm, lightning and cyclone
  • Water and liquid damage
  • Impact damage
  • Earthquake or tsunami
  • Accidental breakage of glass or ceramic items
  • Vandalism, malicious damage, riots or civil commotion

Home insurance

Allianz says its home insurance is designed to protect the physical structures that make up your home building, from the house itself, to your garage, fences, and paved driveways and even fixtures like showers and baths, hot water systems, air conditioners and more.

Features of Allianz home insurance include:

  • Up to 10% on your first year’s premium when purchasing a new policy online
  • Up to 30% no claims bonus
  • Liability cover
  • Removal of debris (up to 10% of your contents sum insured)
  • Replacement of locks or cylinders
  • Up to $5,000 towards installing environmental systems, like rainwater tanks and solar power systems, after your building is destroyed and Allianz has agreed to rebuild it
  • Up to $20 million legal liability cover
  • Option to pay monthly or annually
  • Optional extras include cover for flood, motor burnout, accidental damage and domestic workers’ compensation

Contents insurance

Allianz says its contents insurance is designed to protect the belongings you have at the insured address, from your furniture, carpet and electrical appliances to your BBQ and even clothes, shoes and handbags.

Features of Allianz contents insurance include:

  • Up to 10% discount on your first year’s premium if you purchase a new policy online
  • Up to 30% no claims bonus
  • Moving house cover
  • Emergency contents storage
  • Option to pay monthly or annually
  • Optional extras to include cover: specified contents that are listed separately, portable contents, motor burnout

Combined home and contents insurance

Allianz home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, Allianz says policyholders may be eligible for a discount of up to 10% when they combine home and contents insurance under the one policy.

How do I apply for a Allianz home and contents insurance policy?

To apply for an Allianz building, contents or home and contents insurance policy, you can get a quote from Allianz by either calling them directly, or requesting one online via their website.

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Allianz Home Insurance FAQs

As a general rule, building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, or kitchen benchtops. Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of this value, then you could look for a complete replacement home insurance policy to give yourself peace of mind, though bear in mind that while you’re less likely to be underinsured, the premiums for a total replacement may be more expensive than for a sum-insured one. Find out how much home insurance you need and how much contents insurance you need.

If something happens to your home or contents, you can either lodge a claim online or call Allianz at any time of the day on 13 10 13 to commence the claims process over the phone.

As a renter, you generally don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit, apartment or townhouse, the body corporate is legally required to have building insurance for the building. However, as a renter you can still consider contents insurance if you want to protect your own possessions.

Some providers offer specialised renters insurance policies. In many cases, though, renters insurance is the same or very similar to a contents insurance policy. It may be the case that when applying for a standard contents insurance policy, you simply need to specify to the insurer that you’re a tenant.

If you are a renter, you can purchase a contents-only policy from Allianz.

For landlords, a specific landlord insurance policy could be an option to consider. Landlord insurance is designed to cover you for the same things as a home insurance policy, but with several additions to cover you against risks from having tenants in your property.

Depending on your choice of cover, Allianz landlord insurance may cover your investment property and/or contents. Allianz says its landlord insurance is designed to cover the cost of replacement or repair required when certain events occur that damage your residential investment property, and any contents you provide for your tenant’s use, that could leave you out of pocket financially.

The Allianz Group is one of the leading integrated financial services providers worldwide. Allianz’s Australian insurance arm started operating as The Manufacturers’ Mutual Insurance Association Limited in 1914. In July 2000, the Australian company was renamed Allianz Australia. Now one of Australia’s largest general insurers, Allianz services more than 3.5 million customers.

This content was reviewed as part of our fact-checking process.

Written by: Alasdair Duncan | Last updated: October 1, 2021