{"menuItems":[{"label":"What does Allianz Home Insurance cover?","anchorName":"#what-does-allianz-home-insurance-cover"},{"label":"Here's a rundown of Allianz Home Insurance","anchorName":"#here-s-a-rundown-of-allianz-home-insurance"},{"label":"Standard features","anchorName":"#standard-features"},{"label":"Optional add-ons","anchorName":"#optional-add-ons"},{"label":"Exclusions","anchorName":"#exclusions"},{"label":"Here's a review of Allianz Home Insurance complaints","anchorName":"#here-s-a-review-of-allianz-home-insurance-complaints"},{"label":"Here's the bottom line about Allianz Home Insurance","anchorName":"#here-s-the-bottom-line-about-allianz-home-insurance"},{"label":"Frequently asked questions","anchorName":"#frequently-asked-questions"},{"label":"Leave an Allianz Home Insurance review","anchorName":"#leave-an-allianz-home-insurance-review"}]}
Our Verdict
Allianz is a reputable brand in claims Australia and internationally.
You can save up to 30% depending on your claims history.
You need to take care with your sum insured amount since there's no obvious protection from underinsurance.
Sorry! We currently don't have this brand on our panel. But don't fret, you can head to the Allianz Home Insurance website or compare a bunch of other home insurance companies with Finder.
You can get 3 different types of home insurance policies from Allianz: home building insurance, contents insurance and combined home and contents insurance. It also offers landlord insurance for those with investment properties.
An Allianz Home Insurance policy can cover you for these insured events and a bunch more.
Excess amounts vary from $500 up to $10,000. This way, you can choose an option that fits your needs. The cooling-off period for Allianz policies is 14 days, which is slightly below industry standard. This means that you have less time to cancel your policy if you change your mind.
Allianz is a general insurer, which means it backs all different types of insurance, such as home, car and travel insurance.
These are some of the benefits you can claim if an insured event causes damage to your home or property.
Alternative accommodation for you and your pets
Making your home buildings environmentally friendly
Rebuilding and professional fees
Debris removal
Emergency contents storage
Moving house
Food or medicine spoilage
Vet costs
Optional add-ons
Allianz offers optional cover to help you customise your policy, but it will cost extra.
Accidental damage cover
Flood cover
Motor burnout cover
Domestic workers' compensation cover
Portable contents cover
Exclusions
Here are some examples of what an Allianz Home Insurance policy won't cover you for.
Actions of the sea, including storm surge
Inherent defects from things like poor workmanship
Wear and tear
Illegal contents and personal effects
Deliberate damage
Lawful seizure
Soil movement
Economic or trade sanctions
Check out the product disclosure statement (PDS) for the full list of exclusions so you know what you're signing up for. You can also head to general exclusions for more information.
Here's a review of Allianz Home Insurance complaints
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.
When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.
Here's an overview of how Allianz (Allianz Australia Insurance Limited) did:
The total number of complaints made against Allianz is actually reasonable, considering it's a very large firm. It even has a similar number of complaints compared to Hollard, which is a smaller firm.
Allianz was able to close the majority of its complaints, compared to the other firms. However, the majority of these complaints couldn't be resolved with its customers directly and had to be escalated by AFCA.
Here's the bottom line about Allianz Home Insurance
Allianz is a well-known insurance company that offers its customers a good level of customisation and access to discounts on its policies. Just be aware that Allianz doesn't offer an obvious safeguard against underinsurance. This means you'll need to take extra care when declaring your sum insured amount to make sure you're protected for everything you need.
Not sure yet? You can compare other home insurance brands side-by-side so that you end up with a policy you're happy with.
Why you can trust Finder's home insurance experts
We're free
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions
You can lodge a claim online at any time through the Allianz portal. If you prefer to talk to someone, you can also call them on 13 10 13.
Before you start, make sure to have the following prepared:
Your personal details and policy number (if you don't have a paper copy, try find it in your emails)
Information about what happened, including what kind of damages you'll be claiming for
Evidence of the event like photos, invoices, police reports, quotes etc.
Generally, to keep the costs of premiums low. By charging an excess, insurance companies are trying to reduce the number of small claims made. The fewer claims they pay out, the cheaper they can make premiums.
You can get 10% off your premium if you buy a combined home and contents policy. You can also get a no claims bonus, which depends on your claims history.
An Allianz home insurance policy is suitable for someone who owns and occupies a home building and wants to protect themselves against the financial burden resulting from the loss or damage that insurance can cover, including legal liability. They should be able to afford to pay the premiums. It is not suitable if you own a house that forms part of a strata title, mobile home, hotel or other type of guesthouse. It's also not suitable for anyone that is looking to rent out their home on a commercial basis. It should also be well maintained.
Leave an Allianz Home Insurance review
If you've held, or currently hold, an Allianz Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Allianz is right for them. Some reviews are from a survey commissioned by Finder.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
SPONSORED: Upgrade your internet before the end of 2023 and get ahead on your life admin! We take a look at some of the benefits of a faster internet connection.
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?
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.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
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?
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,
Faye