Contents Insurance

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Contents Insurance

It’s what you’ve put into your house that truly makes it your home: your furniture and personal possessions, your curtains– all the touches you’ve added to make it a safe and comfortable place to live. 1300 Insurance can refer you to Allianz for contents insurance, which can help you to protect the things you keep inside your home and garden against theft, fire or storm.*

Contents insurance is for the moveable things in your home, so if you own your house and you also want protection for the buildings and permanent fixtures, you should consider taking out a home buildings insurance policy too. You could even save up to 10% if you choose to combine home buildings and contents covers on the same policy – check out our home and contents insurance for more information.1

Contents Insurance in brief*

Contents insurance can protect your furniture and appliances, your clothes and personal effects and fittings like internal blinds and curtains, as well as outdoor possessions like your garden furniture, tools and barbeque up to the policy limit. All contents insurance policies even include up to $5,000 cover for the belongings of your guests or visitors.*

Contents insurance can protect your personal possessions from earthquakes, storms, lightning strikes, fires, explosions, theft or malicious acts. You may even be able to get cover for damage to your contents caused by leaks, or by something falling on your home like a tree or aerial. Make sure you check the PDS for the standard terms, conditions, limits and exclusions of cover.

Allianz offers a choice of contents insurance products to suit customers with different needs, from cover for specified insured events, to more comprehensive accidental loss or damage cover.

All contents insurance covers that we offer are packed with great benefits, including:

  • cover for use of lost or stolen credit cards
  • emergency storage of your possessions
  • up to $500 cover for veterinary bills
  • cover for your legal liability if someone else not living with you is injured at your home

Make sure you check the PDS which sets out the standard terms, conditions, limits and exclusions of cover.

With 1300 Insurance you can spread the cost of your insurance by paying monthly without paying extra. Whether you opt for annual or monthly instalments for your contents insurance, you’ll pay the same total premium to protect your precious belongings.4

Not had to claim on your home or contents insurance during the past five years? You could reduce the cost of your contents insurance with a No Claim Bonus of up to 30%. And you could still qualify for a reduced No Claims Bonus even if you’ve made up to two claims in that period.1,3

*Terms and conditions apply to this policy. For full details of terms, conditions, exclusions and limits, see the Product Disclosure Statement.


Whether or not you own your home, the possessions you keep inside it are precious and valuable. If your home was burgled or destroyed in a fire you could lose everything you own. If you had to replace it all, from your furniture and appliances right down to your clothes and toiletries, could you do it without wiping out your savings?

Contents insurance can help you protect the things you’ve worked for.

Policy Benefits

If your possessions are stolen or damaged and our partners Allianz have agreed to replace them, they will be replaced new for old. Allianz can cover your furniture, belongings against a wide range of events. The PDS sets out the standard terms, conditions, limits and exclusions of the cover.

With 1300 Insurance you can choose the level of contents insurance that best suits your needs. All contents insurance products that Allianz offer include additional benefits like: up to $500 for veterinary costs, up to 90 days’ cover for contents temporarily removed from your home and cover for use of lost or stolen credit cards. Please refer to the PDS which sets out the standard terms, conditions, limits and exclusions of cover.

Vital Home Insurance provides legal liability protection for injury to other people or damage to their property for up to $10 million – and with Classic or Prestige Home Insurance you’ll get up to $20 million cover. You’ll find the standard terms, conditions, limits and exclusions of the cover in the PDS.

Choose your level of cover

We know that different customers have different needs, so we offer a choice of three levels of contents insurance cover for customers to choose from, all packed with great benefits.

This is a summary only. Please refer to the relevant Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover.

Vital Home Insurance can offer protection if someone breaks into your home and steals your items, or if your possessions are damaged by a disaster such as storm, fire or earthquake.

Classic Home Insurance includes everything from Vital Home Insurance, plus some higher policy limits and extra features including cover for fusion (motor burnout) of household electric motors. It also offers twice the limit of legal liability compared to Vital Home Insurance.

This premium product provides cover for accidental loss or damage to your possessions (check the PDS for exclusions). It also offers twice the limit of legal liability compared to Vital Home Insurance.

For a summary of the covers available under the home insurance products on offer – click here.

For a handy overview of the home and/or contents cover we offer, click here to review the Key Facts Sheets for these products.

How to apply for cover

It’s quick and easy to apply for contents insurance. Simply call on 1300 467 872 or click here to get an online quote.

Need to claim?

If something does happen to your home, you need an insurance company who will act fast to help you get your home back in shape. That’s why we’ve partnered with Allianz, which has a quick and efficient claims process. Click here for information on how to claim.

Get a quote Phone us on 1300 467 872

Policy Exclusions

The home insurance products we offer do not cover every circumstance or expense and there are some exclusions to the cover. Some types of cover, such as cover for flood, are optional and subject to eligibility and require the payment of an additional premium. See the PDS for the standard terms, conditions, limits and exclusions of cover.


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).

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.

Contents Insurance

There are three ways to apply for home and contents insurance through 1300 Insurance. If you meet the eligibility criteria, you could buy your home and contents insurance policy in the following ways:

  1. Get a quote and then buy securely online 24 hours a day, 7 days a week
  2. Complete a quote online then simply call 1300 467 872 to complete the purchase of your policy. Make sure you have the quote reference number handy when you call.
  3. Call a friendly, helpful consultant on 1300 467 872 to get a quote and buy your insurance over the phone.

The call centre is open Monday to Friday between 8.00am and 9.00pm (EST) and Saturday 8.00am to 5.00pm (EST).

If you meet the eligibility criteria, you may be able to get your home and contents insurance in place within minutes with a short online session or one quick phone call.

Simply call the claims line on 1300 467 872 and a friendly, professional consultant will guide you through the quick, easy claims process. Alternatively, you can submit an online claim form – find out more here.

Most home and contents insurance claims can be processed over the phone. In some more complicated cases your insurer may have to arrange for an assessor to visit your house to inspect the damage, and help you to coordinate repairs and replacements. Either way, your claim will be dealt with as quickly as possible.

Buying home and contents covers in a single policy is the easy way to get peace of mind – and with a discount of up to 10% for buying these covers together1, you could save on your premium.

If you choose Classic or Prestige Home Insurance there are also a number of options for you to choose from, which will change the premium you pay. These include cover for flood (which is subject to eligibility) and cover for portable contents that you carry with you away from home (available only with contents cover).

There will be a number of differences between Allianz home and contents insurance and the home and contents insurance policies offered by other insurers. Make sure that you read the Product Disclosure Statement for the standard terms, conditions, limits and exclusions of cover before you buy any insurance, so that you know exactly what is and isn’t covered.

Some great benefits of Allianz home and contents insurance include:

  1. A choice of optional extras, so you can tailor the policy to your needs
  2. A variable excess feature (allowing you to increase your excess to save money on your premiums1)
  3. The option to pay your premiums monthly, at no extra cost (premiums payable by instalments may be subject to minor adjustments due to rounding and financial institution transaction fees may apply)
  4. A quick and simple paperless application process

Home and contents insurance premiums are calculated on the basis of the risk you present to the insurer.

Risk is affected by a number of factors, such as:

  • the location of your home
  • the value of your home and possessions
  • the material your home is constructed from
  • the security devices you have installed to protect your home
  • how your home is occupied
  • the frequency of claims made by you or by previous owners of your home

Your premium will also depend on the amount you wish to insure, the level of cover you choose and any optional extras you add to your policy.

Before you buy home and/or contents insurance, you have a duty of disclosure to tell the insurer anything you know and that a reasonable person in the circumstances would include in their answer to any questions the insurer asks that are relevant to their decision to insure you and on what terms. This duty applies until the insurer agrees to insure you. If you don’t comply, the insurer may cancel your contract, reduce the amount payable for a claim, or both. If your failure is fraudulent, the insurer can refuse a claim and treat the contract as if it never existed.

The home and contents insurance products we offer are underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL No 234708 (Allianz).

Allianz is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

Allianz is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

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, including flood (where applicable).

Have a question that you'd like us to answer?

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to refer you to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to provide written general advice on these insurances 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. Before making a decision, please consider the relevant Product Disclosure Statement available here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. We will also receive a percentage of the profit which exceeds the profit threshold on Home (excluding flood), Landlord (excluding flood), Motor, Caravan and Trailer and Commercial policies referred by us to Allianz (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met. From 1 September 2018, we will also receive an annual 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 policies referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.