Allianz Home Insurance

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Allianz is one of the biggest names in insurance, so it's no surprise that they offer home insurance as well. Allianz offers 4 policy types; building insurance, contents insurance, building & contents insurance and landlord insurance.

To add to that, Allianz Home Insurance has no claim bonuses, flexible excesses and discounts if you pay your premium annually.

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What cover options does Allianz Home Insurance offer?

Allianz Building & Contents Insurance

Allianz’s Building and Contents Insurance provides essential protection for your building and possessions against a wide range of risks. Loss or damage caused by insured events such as fire, storms and theft is included in cover. Other features include up to $20 million of legal liability cover and optional flood cover. You've also got the option to get covered for those portable items that you take away from home, such as your phone, camera, or jewellery.

This policy provides essential cover for your building and contents against loss or damage caused by a long list of insured events. These include:

Allianz Building Insurance

This type of policy covers just your home's structure and not the things inside of it. It'll cover you against a wide range of insured events including fire, storm and theft. You can also choose to opt out of flood cover to save on your premiums.

Allianz Contents Insurance

This covers only your possessions and not the building itself. It's a good option for those who live in apartments. You'll be covered for your standard fire, storm, theft, plus more. If you need extra cover, you can opt in for accidental damage and portable contents cover.

Allianz Landlord Insurance

If you want to cover your investment property, Allianz could have the policy that you're after. Allianz Landlord Insurance covers you for rental loss, $10 million legal liability, and damage for fire, storms, water damage, plus more.

How do the policies compare?

You are protected against damage and loss caused byAllianz Home Insurance Building and Contents coverAllianz Home Insurance Building coverAllianz Home Insurance Contents cover
Fire or smoke
Theft or burglary
Storm, cyclone, lightning, rainwater or runoff and water from leaking pipes
Accidental breakage of glass or ceramic items
Vandalism or malicious damage
Alternative Accommodation for you and your petsUp to 10% sum insured - up to 12 monthsUp to 10% of building sum insured - up to 12 monthsUp to 10% of contents sum insured - up to 12 months
Legal liability cover$20,000,000$20,000,000$20,000,000
Replacement of locks and cylinders$1,000$1,000$1,000
Outdoor contents (like BBQs)$2,000
Security firm attendance$500
Veterinary costs$500
Modifications to buildings for paraplegia & quadriplegia$10,000$10,000$0
Environmental benefits$5,000$5,000
Spoilage of perishable food due to natural disaster $500
Accidental loss or damageOptionalOptionalOptional
Motor BurnoutOptionalOptionalOptional
Portable Contents (personal effects)Optional

In what kind of situation are excluded from cover

As you would expect, a list of general exclusions applies to Allianz Home Insurance policies. Your claim will not be paid if:

  • It is caused by a deliberate, intentional, malicious or criminal act by you, your guests, or anyone acting with your consent
  • It is caused by lawful confiscation, repossession or destruction of anything
  • It is caused by any act of war or terrorism
  • It is a result of wear and tear, depreciation, gradual deterioration, mould, mildew etc
  • It relates to contents which are acquired or held illegally
  • It is caused by inherent defects, structural faults or faulty design or workmanship
  • It is for loss or damage caused by atmospheric or climatic conditions
  • It is for loss or damage caused by insects, birds or vermin
  • It is caused by mechanical or electrical breakdown
  • It is caused by loss or damage to electronic data
  • It is for consequential loss of any kind.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Allianz Home Insurance premium, including:

  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Where your home is located. Certain risks, for example storm and theft, are more prevalent in certain regions, so this could influence the cost of your cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Security. Security measures such as alarm systems and deadbolts can act as a deterrent to thieves and therefore reduce the cost of cover.
  • Your insurance history. Allianz Home Insurance will also consider your previous claims record before deciding whether or not to offer you cover.

Got any tips for cutting costs?

  • No claim bonus. You can take advantage of a no claim bonus for every year you don’t make a claim on your Allianz Home Insurance policy. This entitles you to a maximum discount of 30%.
  • Combine cover. Getting a new policy online that combines building and contents cover together in one policy will allow you to receive up to a 10% discount.
  • Increase your excess. You’ll be able to pay lower premiums as a result.
  • Insure accurately. Estimate the value of your contents properly so that you don’t end up over-paying for cover.
  • Pay annually. It costs more to pay your premium in monthly installments than to pay an annual lump sum.

How do I make a claim?

If an incident occurs which may lead to a claim, do not admit any liability but do take all reasonable steps to prevent any further loss or damage. Also, if theft or vandalism has occurred, report the matter to the police immediately.

The next step is to contact Allianz Home Insurance as soon as possible to notify them of what has happened. You can do this by calling 13 10 13 or by completing an online claim form. It’s also worth remembering to obtain and keep any evidence of the loss or damage, as Allianz Home Insurance may request this information in order to help them process your claim.

How does excess affect Allianz Home Insurance?

When you make a claim on your Allianz Home Insurance policy, you may have to make a contribution towards the cost of that claim by paying an excess. Depending on the type of cover you have, there are several excesses that may apply to your policy. For example, in addition to the basic excess payable on all claims, a $250 excess applies to earthquake claims.

All of the excesses that apply to your policy are listed on your certificate of insurance.

Still have questions about Allianz Home Insurance?

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2 Responses

    Default Gravatar
    SallyAugust 6, 2019

    Hello we have a house in Moorina Qld Australia that we would like to insure. Our son is currently living there and the home was built around 1980 and is brick veneer. There is also an NBN tower on the property which the land is leased. The property is 9 acres. The tower is about 80 metres from the house and we require it to be covered under the legal liability. Can you do this, and how much?

      Avatarfinder Customer Care
      FayeAugust 8, 2019Staff

      Hi Sally,

      Thanks for contacting Finder.

      I understand you are requesting for a home insurance quote from Allianz. Just to clarify that we are not affliated with Allianz so I suggest you call them directly to discuss which is the best home insurance policy for your house in Moorina Qld.

      Kind Regards,

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