Scam alert: Scammers are using SMS to impersonate bank staff. Remember, we will never contact you unexpectedly to ask for your account information. If you're unsure, hang up and contact us directly.
Hang up on unexpected calls claiming to be from our fraud team and contact us directly instead. More ways to keep your data safe.
We use cookies to provide you with the best possible online experience. Read more
BSB 650 000
Contents insurance can cover your important items for damage or loss caused by insured events such as fire#, storm#, theft, or flood#.
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 contents insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Contents Key Fact Sheet (KFS) also sets out some information about the cover.
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).
Covers loss or damage caused by flood#, run-off, flood water# combined with run-off and/or rainwater.
Covers loss or damage caused by storm, cyclone#, or rainwater but this does not include run-off.
If your Building or 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 based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
In addition to your contents sum insured, Allianz will pay up to 10% of your contents sum insured for the removal of debris from your home buildings if your contents are damaged or destroyed by an insured event.
If your home buildings are damage by an insured event and is unable to be lived in, Allianz will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months and the remaining balance of your contents sum insured after payment of claim.
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.
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay for you to replace it. If you claim for this benefit, an excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government, or the Insurance Council of Australia) the maximum Allianz will pay is $500. No excess will apply.
When you need to make a claim, Allianz are there for you with 24-hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone.
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.
Apply to add any of these optional covers for an additional premium and greater cover.
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 to insure 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. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home
The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage 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.
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 (subject to the policy terms and conditions) - so you should also be careful not to over insure. That's why we've provided the calculator. It works as guides to help you estimate the replacement value of your home contents.
Things can change quickly, save yourself the trip and check your local branch info or bank from the safety and comfort of your home via the app, internet banking or call our local call centre team.