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You’ve worked hard to earn your home, and you want to keep it safe. If something goes wrong, like a storm or fire, the cost of repairs or rebuilding could go far beyond your budget. 1300 Insurance can refer you to Allianz for Home insurance. Home insurance can cover you for loss or damage to your building and certain permanent features of your property and is designed to protect you if disaster strikes*.
Home insurance covers your buildings, so if you also want protection for your furniture and personal possessions you could consider taking out home contents insurance too. You could even save up to 10% if you choose to combine home buildings and contents covers on the same policy – check out home and contents insurance for more information. 1
Home Insurance in brief*
We understand that your home is more than just the building you live in. That’s why home insurance covers the permanent buildings on your property, including your house, garage or carport, as well as fixtures like windows, kitchen and bathroom fittings, awnings and blinds, decks, patios and fences. With Classic and Prestige Home Insurance, you may also be covered for the cost of landscaping up to the specified limit.
Home insurance can protect your home from storms, lightning strikes, fires, theft or malicious acts. It can even cover damage caused by something falling on your home, like a tree or aerial – and with Prestige Home Insurance you can also get cover for accidental loss or damage to your buildings (unless specifically excluded). Make sure you check the PDS which sets out the standard terms, conditions, limits and exclusions of cover.
Allianz offers a choice of home insurance products to suit customers with different needs. We may be able to help whether you want cover for specified insured events, or more comprehensive accidental loss or damage cover.
All home insurance products Allianz offers are packed with great benefits, including cover for accidental breakage of glass. They even include 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 home insurance by paying monthly without paying extra. Whether you opt for annual or monthly instalments, you’ll pay the same total premium to protect your precious home. 2
Not made a claim on your home or contents insurance in the last five years? You could reduce the cost of your home insurance policy with a No Claim Bonus of up to 30%. What’s more – you could still qualify for a reduced No Claim 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, exceptions and exclusions, see the PDS.
It’s vital that the sum you insure under your home insurance policy is sufficient to allow you to rebuild your home and its fixtures if it were destroyed. Because building costs rise each year, we will automatically offer to increase the amount of your insurance every time you renew your policy.
We understand that accidents can just happen. Home insurance is designed to protect you against the small things like broken windows and burst pipes, as well as the catastrophes we hope you’ll never experience.
Get cover for specified insured events like storm damage, theft or fire with Vital or Classic Home Insurance or protect your home against accidental loss or damage (unless specifically excluded) with Prestige Home Insurance. With this home insurance you’ll benefit from great features like replacement of locks, and cover for the cost of discharging your mortgage. Be sure to check 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. With Classic or Prestige Home Insurance you’ll get up to $20 million cover for legal liability. You’ll find the standard terms, conditions, limits and exclusions in the relevant PDS.
Choose your level of cover
We know that different customers have different needs, so Allianz offers a choice of three levels of 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, or if it is damaged by a specified insured event 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 buildings and fixtures (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 home insurance. Simply call 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.
Home insurance transfers many of the risks home owners face from you to the insurer. However, it is important to understand that home insurance does not cover every circumstance or expense that you may incur and there are some exclusions to the cover. For the standard terms, conditions, limits and exclusions of cover, please refer to the relevant Product Disclosure Statement.
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 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
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.
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:
- Get a quote and then buy securely online 24 hours a day, 7 days a week
- 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.
- 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:
- A choice of optional extras, so you can tailor the policy to your needs
- A variable excess feature (allowing you to increase your excess to save money on your premiums1)
- 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)
- 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.
Thanks for your question.
We try very hard to respond to every question we get in a timely manner, but if your question is urgent you might want to call us on 1300 467 872.