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 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.
Select the cover to suit your needs.
Effective 18 November 2019.
Cover when you’re moving house
Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Alternative accommodation for you and your pets
If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz will pay the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Debris removal
Allianz will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Emergency contents storage
If your home building is unable to be lived in, Allianz will pay to move and store your contents for up to 12 months.
Guest, visitor and domestic helper property
Allianz will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
Food or medicine spoilage
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay up to the amount specified in the PDS for you to replace it.
24/7 emergency claims assistance
When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.
Cover for your contents intended to be kept outside
Allianz will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.
Optional covers
Add any of these optional covers for an additional premium and greater cover
Optional cover – Accidental damage
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.
Optional cover - Portable contents
Optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance.
Optional cover - Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors.
Optional cover - Flood cover
Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.
Domestic workers’ compensation cover
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
How to apply
Simply answer a few questions about your home and or contents to ensure the right cover is selected. At the end of the application, if you meet the eligibility requirements, you can purchase the insurance policy via direct debit or with your credit card.
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Need help or want some more information
Call us today for more information on Allianz Home and Contents Insurance on 1800 472 265 8am to 7pm, weekdays or 9am to 3pm Saturday.
If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Allianz Classic, Allianz Vital, Allianz Prestige Insurance or Allianz Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
