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We’ve put together some answers to commonly asked Home & Contents and Landlord Insurance questions. For more information about these products, please visit the product page.

Buildings and Contents Insurance

Do what you reasonably can to prevent 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 493 824 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 us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

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 or Home Contents Key Fact Sheets.

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 this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

You can also contact Allianz if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take out additional cover options that may be available.

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 we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk.
  • decide not to offer to renew your policy.

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 we 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 we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk.
  • 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.

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 we 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
  • propose to charge you a higher premium
  • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions; or we are no longer prepared to insure you because there has been a material change to the risk

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.

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.

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

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 we 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
  • propose to charge you a higher premium
  • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions; or we are no longer prepared to insure you because there has been a material change to the risk

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.

 

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.

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.

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.

Buildings Insurance

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.

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 you cannot live in the home.

Contents Insurance

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.

 

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 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.

Contents insurance for renters

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.

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 you cannot live in the home.

Landlord Insurance

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.