Australian Unity has a strong complaints record and competitive benefits, but it’s lacking in underinsurance protection which is a popular feature offered by many other brands.
Our cost research indicates Australian Unity is more expensive than average.
The 14-day cooling off period is shorter than what's offered by many other brands.
How does Australian Unity compare with other popular providers?
Price
Our cost research found Australian Unity was more expensive than average, at an estimated $3,033 a year, compared to the overall average of $2,780 a year. Be aware though, this figure can vary drastically depending on the specific details of your home.
These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Motor burnout - Cover in case an electrical current damages your household electrical motors.
Domestic worker's compensation cover - Cover in case a household employee is injured at your home.
Portable contents - Cover for personal items you take outside of the home, including phones and jewellery.
How to make a claim
To make a claim on your Australian Unity home insurance, you'll have to claim via the Allianz website. You'll need your policy information, details of the incident, details about the damage you're claiming for, and information about anyone else involved. If you need support, you can call Allianz on 13 10 13.
Australian Unity home insurance complaints information
Allianz Australia, the brand that underwrites Australian Unity home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,584 home insurance complaints and 384 contents insurance complaints in the same time period.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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