For a full list of events covered by Allianz Home Insurance see the relevant PDS.
This is a summary only of some of the features available on these Home Insurance policies. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the terms, conditions, limits and exclusions of our Home Insurance.
Take the stress out of finding a tradesperson in time of need.
Download and read the Product Disclosure Statements and Key Facts Sheets for Home and Landlord Insurance.
Protect your home with our practical home security tips.
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.
I'm about to install a new kitchen and renovate my bathroom - should I notify Allianz?
Before commencing renovations it is important that you notify us as it may affect your coverage and the terms and conditions of your home insurance policy. It is important that you increase your sum insured to reflect 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 Allianz?
Yes, it is important that Allianz is informed of any change in use if the premises as it may affect our decision to insure you.
Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 13 1000 to find out whether you are eligible for Flood cover. For full details of conditions and exclusions of all our home insurance cover options, please refer to the relevant PDS, policy documents, and flood supplementary PDS.
For terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).
A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if selected); Accidental damage, Flood, Motor burnout and Portable contents. A reduced online discount may apply on renewal if you originally bought a new policy online.
When you take out a new policy, we calculate your No Claims Bonus based on you home 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. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% - to a minimum of 0%. The No Claim Bonus discount is applied to some optional covers if selected; Motor burnout and Accidental damage, but not Flood or Portable Contents cover.
If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any 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.
No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected).
Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.
The Portable contents option is available for Contents cover. It covers you for loss or damage to your portable contents caused by theft or an accident anywhere in the world. Cover outside Australia is limited to 120 continuous days in any period of insurance.
Only available in ACT, Tasmania and Western Australia. Excludes workers who are working for you in your own business, trade, or profession.
Terms, conditions, limits and exclusions apply. See Emergency Home Assistance Terms & Conditions for details. Allianz Emergency Home Assistance provided by AWP Australia Pty Limited trading as Allianz Global Assistance.