Bank of Melbourne home insurance offers cover for both homeowners, landlords and renters. You can choose from 3 policy types: building insurance, contents insurance, and combined home and contents insurance.
Some main events covered by Bank of Melbourne home insurance include:
Bank of Melbourne home insurance is issued by Allianz Australia Insurance Ltd, which is one of the largest insurance companies in Australia. It offers customers the choice of excess amount, and has a below-average cooling off period of 14 days – the industry standard is 21 days.
To be clear about what is and isn't covered, home insurance policies have a list of general exclusions. Here are a few exclusions to be aware of with Bank of Melbourne.
Make sure you read Bank of Melbourne's PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.
Allianz Australia, the brand that underwrites Bank of Melbourne 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.
Bank of Melbourne home insurance is a well-rounded policy with some essentials like flood cover included as standard. If you do need additional cover, there's a variety of optional add-ons you can choose from. While not as impressive as some providers, its new policy discount and combined cover discount can help you save on your premium.
Still not sure? You can compare and review home insurance brands side-by-side to make sure you end up with a policy you're happy with.
If you've held, or currently hold, a Bank of Melbourne home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Bank of Melbourne is right for them. Some reviews are from a survey commissioned by Finder.
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