Buildings and Contents Insurance

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

• Save up to 10% on your first year’s premium when you quote and buy a new home insurance policy online^1,4
• 24/7 online claims lodgement
• Combine your building and contents cover to receive up to 10% discount on your premium^2,4
• You may qualify for up to 30% No Claim Bonus^3,4
• Option to increase your excess which may reduce your premium⁵
• Pay by the fortnight or month at no extra cost⁶

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 cover, 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.

Retrieve a quote

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

Online, any time

The most convenient way to make a home insurance claim is via the online claim form. You can submit your claim notification 24 hours a day, 7 days a week, whenever it suits you. 

All you need to do is complete the online claim form and, once it is lodged, a friendly claims consultant will contact you as soon as possible.

• A secure form
• No phone queues 
• Immediate confirmation number for your reference

Submit your claim via our underwriter, Allianz’s online claim form. 

Over the phone

Contact our claims hotline on 1300 555 030, 24 hours a day, 7 days a week.

What do I do if I need to make a buildings and/or contents insurance claim?

Do what you reasonably can to prevent any 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.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1800 864 864 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement and any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.

I have changed the security on my property - do I need to let you know?

If you are altering the security on your property you should inform us 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 the information as soon as reasonably possible, Allianz may reduce or refuse a claim in whole or in part under the policy to the extent Allianz are prejudiced by the delay or 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; or
• decide not to offer to renew your policy.

I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

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; or
• 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.

I have commenced using my home for business purposes - should I notify my insurer?

You must tell us 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;
• 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.

What do I do if I rent my home out to tenants?

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 us so we can determine if you are eligible for this product. 

How much will I be covered for?

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.

What if I need help choosing the right amount of cover?

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

I run a business from home, can I get cover?

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
• charge you a higher premium; or
• 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.

Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

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.

Can I cover my bike and other sporting equipment away from home?

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.

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting us on 1800 864 864. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Will I be covered if my drone is damaged or stolen within my home?

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.