ANZ Home & Contents Insurance

ANZ is a provider of home insurance, landlord insurance, car insurance, life insurance, travel insurance, and loan and credit repayment insurance.

ANZ home insurance is issued by QBE and distributed by ANZ (under its own license). Read the ANZ home insurance product disclosure statement (PDS) and target market determination (TMD) on ANZ’s website for the full terms, conditions and exclusions and to decide if the product is right for you.

Compare ANZ Home and Contents Insurance

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Here’s a snapshot of ANZ Home and Contents Insurance policies for amounts below $550K in South Australia. To compare other home and contents insurance policies, click here.

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What do ANZ Home and Contents Insurance policies cover?

ANZ lets you choose from Home Insurance, Contents Insurance or a combined Home and Contents Insurance policy. All come with several bonuses such as discounts and extra benefits for over 50s, discounts for combined cover and fast policy access with the ANZ app.

Home Insurance

ANZ Home Insurance covers you for:

  • Full home building replacement, including architect, surveyor and legal costs
  • Natural disasters and extreme weather
  • Accidental breakage, theft or vandalism
  • Motor burnout
  • Glass breakage
  • Garden damage
  • Replacement locks and keys
  • Alternative accommodation

Contents Insurance

ANZ Contents Insurance covers:

  • New for old replacement, regardless of age
  • Theft, loss or damage of items
  • Damage due to extreme weather
  • Optional accidental loss or damage at home
  • Motor fusion and food spoilage
  • Optional contents away from home, anywhere in the world
  • Optional specified valuables over $3,000
  • Legal liability cover
  • Domestic workers’ compensation (in ACT, TAS, NT and WA)

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Building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, and even the light on your front porch. 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.

As a renter, you 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. But you should certainly get contents insurance to protect your own possessions. Many providers offer specialised renters’ insurance policies.

For landlords, a better option than home insurance is landlord insurance. Landlord insurance covers you for the same things as a home insurance policy, but with several important additions to cover you against risks from your tenants.

ANZ Landlord Insurance covers repairs for damage caused by your tenants, or your legal fees if you need to sue tenants who are not paying rent. Compare landlord insurance here:

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

You can make an insurance claim by filling in a form online, calling ANZ’s phone hotline or contacting it via post. The online portal is a similarly quick process that takes roughly 10 minutes, after which an ANZ representative will call you to discuss the details.

This includes all quotes, materials sourcing and legislative requirements needed to make repairs to your home, as well as helping you source replacement items if your contents have been lost or damaged.

Different insurers have different claims processes, so make sure to compare different home insurance claim apps that will make your life easier.

ANZ has a long history, founded in 1835 in London and Sydney as the Bank of Australasia and moving into Melbourne in 1838. As one of the Big Four Banks in Australia, ANZ is the largest banking group in the Pacific and New Zealand region and is ranked among the top 50 banks in the world. Customers can track their banking, insurance, super and investments on their smartphone or tablet with ANZ’s mobile app, Grow. The company also runs its Money Minded Monday series of handy hints videos, from which everyone can benefit.

ANZ’s community involvement

ANZ runs several community outreach programs in order to foster prosperity for its current and future customers. The company’s GIVE program is its corporate and employee-run donations program, an acronym that stands for ANZ’s activities in Giving, Investing, Volunteering and Emergency Relief.

ANZ’s Giving activities include partnerships with numerous Australian charities, such as the RSPCA, beyondblue, Make-A-Wish Foundation and the Australian Red Cross. These partnerships allow ANZ’s employees, customers and shareholders to donate directly to these causes.

Customers and shareholders can donate online using Pay Anyone, whilst employees’ donations are matched dollar-for-dollar by ANZ. The bank also sponsors several high-profile events and venues, including Sydney’s ANZ Stadium, the Australian Open, the Archibald Prize and Tooronga Zoo, amongst several others.

The company’s Investing side of sustainability is dedicated to building financial skills and knowledge in the communities in which it operates. Its existing initiatives include the MoneyMinded and SaverPlus programs that educate consumers about saving and financial literacy – programs from which more than 390,000 Australians have benefited. ANZ’s 2016 Financial Inclusion Action Plan (FIAP) outlined the company’s continued commitment to financial inclusion in Australia and created a cohesive strategy for its financial education efforts going forward.

ANZ’s Volunteering side involves offering at least one day a year of paid volunteering leave to all employees, as well as promoting volunteering opportunities through goodcompany; as of 2016, over 113,000 hours had been volunteered by ANZ employees.

The Emergency Relief component of its charitable activities involves financial assistance to customers, funding for emergency relief organisations and financial advice for recovering communities. ANZ also funds worthy causes through three types of community grants, which consist of amounts up to $5,000 being distributed by a National Advisory Board to charities around Australia.

ANZ and the environment

ANZ focuses heavily on environmental sustainability through four different initiatives: responsible business lending, climate change prevention, managing its workplace emissions footprint and sustainable sourcing throughout its entire supply chain.

ANZ’s 2016 sustainability highlights include a cumulative $2.5 billion of low carbon and sustainable energy solutions being funded and facilitated, and a 17% reduction in Australian greenhouse gas emissions compared to 2013. The company has created plans to reduce its use of electricity, paper, water and non-recyclable waste.

The table below displays a snapshot of five home and contents products on Canstar’s database with direct links to the providers’ websites, sorted by Star Rating (highest to lowest). These results are based on a policy holder under 50 years old in New South Wales and ACT for building and contents worth less than $550,000.

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Written by: William Jolly | Last updated: