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Home Insurance

Your home is one of your most precious assets and you’ll want to make sure it’s protected. That’s where Small Business First may be able to help. Whether you’re looking for cover for specified insured events or more comprehensive accidental loss or damage cover, we can refer you to Allianz who has a range of home insurance products to suit customers with different needs.

Allianz home insurances offer:

  • Up to a 30% No Claim Bonus1,3
  • Option to pay by the month at no extra cost4
  • 24/7 claims lodgement service
 
 

What do you get when you choose Allianz home insurance through Small Business First?

  • Save up to 10% when you buy online1,2
  • Cover for fraudulent use of lost or stolen credit cards (available only with contents cover)
  • New for old replacement where Allianz agrees to replace your items
  • Buy both buildings and contents covers on the one policy to receive a discount of up to 10%1
 
 

Choice of home insurance products

At Small Business First, we understand different people have different needs. That’s why we’ve teamed up with Allianz who has a range of home and contents insurance products to suit customers with different needs.

A summary of the home insurance products available through Small Business First are set out below. Please refer to the Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover.

Vital Home Insurance

Protection in the event that your home is broken into or damaged by specified insured events such as storm, fire or earthquake.

Classic Home Insurance

This cover includes everything from Vital Home Insurance plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors (motor burnout). It also offers twice the limit of legal liability compared to Vital Home Insurance.

Prestige Home Insurance

This premium product provides cover for accidental loss or damage to your buildings and/or contents (unless stated otherwise in the policy). It also includes some additional benefits such as legal defense costs and cover for contents in transit to your new place of residence and offers twice the limit of legal liability compared to Vital Home Insurance.

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To review the Key Facts Sheets available for Home Buildings and/or Contents cover, click here.

Home insurance comparison table Buildings and Contents covers

If you are looking to purchase both buildings and contents covers, the following table may assist you in deciding which Allianz home insurance product offered by Small Business First best suits your needs.

If you are looking to purchase buildings cover only or contents cover only, please refer to the buildings cover comparison table or the contents cover comparison table.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).

  Vital Home Insurance Classic Home Insurance Prestige Home Insurance
 

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Events Covered

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility)

Automatic indexation of sums insured

Yes

Yes

Yes

Compensation for death

$10,000

$10,000

$10,000

Compensation for fracture (limits apply depending on the bone(s) fractured – see PDS for details)

-

Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance

Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance

Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)

Yes

Yes

Yes

Contents in a safe deposit box at a bank (excludes cover for theft)

Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents

Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents

Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents

Credit cards - cover for fraudulent use of lost or stolen cards

Up to $2,500

Up to $5,000

Up to $5,000

Emergency storage of contents

Yes

Yes

Yes

Environmental benefits when rebuilding after a total loss

Up to $5,000

Up to $5,000

Up to $5,000

Guests', visitors' and domestic helpers' property

Up to $5,000

Up to $5,000

Up to $5,000

Landscaping

-

Up to $2,000

Up to $5,000

Tax audit

-

Up to $5,000

Up to $5,000

Legal defense costs

-

-

Up to $5,000

Transit to your new place of residence

-

-

Yes

Fusion (burnout of household electric motors)

-

Motors up to 10 years old

Motors up to 12 years old

Mortgage Discharge Costs

Up to $5,000

Up to $5,000

Up to $5,000

Modifications to buildings for paraplegia & quadriplegia

Up to $10,000

Up to $10,000

Up to $10,000

Legal liability cover

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Replacement of locks or cylinders

Up to $1,000

Up to $1,000

Up to $2,000

Security firm attendance

Up to $500

Up to $500

Up to $500

Spoilage of refrigerated / freezer food

-

Up to $500

Up to contents sum insured However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount payable under this benefit is $500.

Temporary removal of contents from your risk address

Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - Anywhere else in Australia or NZ but excluding theft.

Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - Anywhere else in Australia or NZ but excluding theft.

- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or - Up to $7,500 for contents anywhere else in Australia or NZ.

Title deeds

Up to $2,000

Up to $2,000

Up to $2,000

Veterinary costs

Up to $500

Up to $500

Up to $500

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Contents cover only

If you are looking to purchase contents cover only, the following table may assist you in deciding which Allianz home insurance product offered by Small Business First best suits your needs.

If you are looking to purchase buildings cover only, please refer to the buildings cover comparison table here.

If you are looking to purchase both buildings and contents covers, please refer to the buildings and contents cover comparison table here.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).

  Vital Home Insurance Classic Home Insurance Prestige Home Insurance
  Get quote Get quote Get quote
Events Covered

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Automatic indexation of sums insured Yes Yes Yes
Compensation for death $10,000 $10,000 $10,000
Compensation for fracture (limits apply depending on the bone(s) fractured – see PDS for details) - Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details) Yes Yes Yes
Contents in a safe deposit box at a bank (excludes cover for theft) Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents
Credit cards - cover for fraudulent use of lost or stolen cards Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents Yes Yes Yes
Guests', visitors' and domestic helpers' property Up to $5,000 Up to $5,000 Up to $5,000
Tax audit - Up to $5,000 Up to $5,000
Legal defense costs - - Up to $5,000
Transit to your new place of residence - - Yes
Fusion (burnout of household electric motors) - Motors up to 10 years old Motors up to 12 years old
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Replacement of locks or cylinders Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance Up to $500 Up to $500 Up to $500
Spoilage of refrigerated / freezer food - Up to $500 Up to contents sum insured However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum amount payable under this benefit is $500.
Temporary removal of contents from your risk address Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - Anywhere else in Australia or NZ but excluding theft. Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - Anywhere else in Australia or NZ but excluding theft. - Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or - Up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds Up to $2,000 Up to $2,000 Up to $2,000
Veterinary costs Up to $500 Up to $500 Up to $500
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Buildings cover only

If you are looking to purchase buildings cover only, the following table may assist you in deciding which Allianz home insurance product offered by Small Business First best suits your needs.

If you are looking to purchase contents cover only, please refer to the contents cover comparison table here.

If you are looking to purchase both buildings and contents covers, please refer to the buildings and contents cover comparison table here.

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).

  Vital Home Insurance Classic Home Insurance Prestige Home Insurance
  Get quote Get quote Get quote
Events Covered

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events:

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Automatic indexation of sums insured Yes Yes Yes
Compensation for death $10,000 $10,000 $10,000
Compensation for fracture (limits apply depending on the bone(s) fractured – see PDS for details) - Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Environmental benefits when rebuilding after a total loss Up to $5,000 Up to $5,000 Up to $5,000
Landscaping - Up to $2,000 Up to $5,000

Fusion (burnout of household electric motors)

-

Motors up to 10 years old

Motors up to 12 years old

Mortgage Discharge Costs

Up to $5,000

Up to $5,000

Up to $5,000

Legal liability cover

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Modifications to buildings for paraplegia & quadriplegia

Up to $10,000

Up to $10,000

Up to $10,000

Replacement of locks or cylinders

Up to $1,000

Up to $1,000

Up to $2,000

 

 Get quote

 Get quote

 Get quote

How to claim

Lodge a home insurance claim online, any time

You can lodge a claim online 24 hours a day, 7 days a week. You’ll receive an immediate confirmation number for your reference and a friendly claims consultant will contact you as soon as possible.

Or, do it over the phone 24/7

Call 1300 555 013 and a consultant will take you through the claims process.

 

Disclaimer

Small Business First Pty Ltd ABN 15 604 335 104 AR Number 1235256 refers you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) as the insurer’s agent. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement for Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance. If you purchase this insurance, we will receive a commission that is a percentage of the premium. After an agreed premium threshold is met, we will also receive a marketing allowance from Allianz for promoting its products. This is calculated as a percentage of the premium on Home, Landlord, Motor, Caravan and Trailer and Commercial insurance policies referred by us to Allianz in the previous 12 month period. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor and Caravan and Trailer policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. Ask us for more details before we provide you with services.

1 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers, such as flood (where applicable).

2 Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Other discounts may apply to insurance purchased via other methods.

3 To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

4 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

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