Features and Benefits
The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a contents insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Key Fact Sheet (KFS) before making a decision to purchase the insurance.
Select the cover to suit your needs.
Effective 18 November 2019
Cover when you’re moving house
Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Alternative accommodation for you and your pets
If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz pay the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Allianz will pay up to 10% of the contents sum insured for removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Food or medicine spoilage
If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay up to the amount specified in the PDS for you to replace it.
Guest, visitor and domestic helper property
Allianz also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
Cover for events
Allianz will cover you up to your contents sum insured for loss or damage caused by storm, cyclone, rainwater and run-off (provided run-off is not combined with flood waters). For cyclones, floods, grassfires and bush fires a 72 hour exclusion period applies.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
Allianz will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property.
Accidental damage cover for you rental property
Allianz will cover you for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.
Add any of these optional covers for an additional premium and greater cover.
Optional cover – Accidental damage
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home contents.
Optional cover - Portable contents
Optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance
Optional cover - Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors.
Optional cover - Flood cover
Flood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies.
Domestic worker’s compensation cover
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Vital Home Insurance, Classic Home Insurance or Prestige Home Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
Policy Documents and Key Fact Sheets
We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the please refer to the Home Product Disclosure Statements (PDS) and any applicable supplementary PDS and Home Contents key fact sheet also available for reference
Home Contents Calculator
It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided this calculator. It works as a guide to help you estimate the replacement value of your home contents.
Home Contents replacement calculator