Insurance FAQs

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 493 824 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the buildings insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 493 824 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 any supplementary PDS and Home Buildings Key Fact Sheet.

If you’re renting your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address. Through Allianz, we offer a product that has been specifically designed for landlords that you can consider instead.

This optional cover provides even more protection – it covers you in the event of damage caused by accidental unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:

• You accidentally smash a hole in the wall when you move some furniture.
• Your kids draw all over your walls.

The option to include portable contents cover under your policy may only be applied for if you have Contents cover or both Buildings and Contents cover. Your policy schedule will show which of the optional covers apply.

You can apply to add these options to your policy when you start or renew it, or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

Allianz will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and Allianz agree that you cannot live in the home.

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 493 824 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 493 824 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 any supplementary PDS and Home Contents Key Fact Sheets.

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

Through Allianz, we’ll 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 items contents are in transit (unless you have Accidental damage cover).

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.

Allianz will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and Allianz agree that you cannot live in the home.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 493 824 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 493 824 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 any supplementary PDS and Home Contents Key Fact Sheets.

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

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.

You need to provide evidence of the value and ownership of both listed and unlisted portable contents.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Allianz will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and Allianz agree that you cannot live in the home.

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 493 824 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the Landlord insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 493 824 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 any supplementary PDS and Landlord Buildings or Landlord Contents Key Fact Sheets.

You can apply to add these options to your policy when you start or renew it, or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement. Contents owned by you (or for which you are legally responsible) and provide for the use of the tenants may also be covered under the policy. This policy is not suitable for covering the building or contents of the home you live in. In this regard, we offer a Home and Contents product that has been specifically designed for homeowners or renters.  

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.