Buildings Insurance

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Buildings Insurance

Protect your home buildings from unexpected events such as fire, theft, and storm.

  • Save up to 10% on your first year’s premium when you purchase a new buildings policy online1,5.

  • Get up to 30% No Claim Bonus discount on your premium2,5.

  • Option to increase your excess which may reduce your premium3.

  • Pay by the month at no extra cost4.

With 1300 Insurance Buildings Insurance you can be covered if an unexpected event, such as a fire, theft or storm damages or destroys your most important asset, your home.

Features & 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 building 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 16 December 2019

If you need to rebuild your home after total loss or damage, 1300 Insurance Home and Contents Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

1300 Insurance Home and Contents Insurance offers protection for out of the ordinary but devastating events such as fire, storm and burglary.

Rest easy, within the first 72 hours following a storm, 1300 Insurance Home and Contents Insurance has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, 1300 Insurance Home and Contents Insurance will pay up to $5,000 to help you make the new buildings more environmentally friendly.

If your building is damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, 1300 Insurance Home and Contents Insurance pay the additional costs for temporary accommodation for you up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment

1300 Insurance Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied.

You are covered for loss or damage caused by vandalism or a malicious act.

In addition to your buildings sum insured, 1300 Insurance Home and Contents Insurance will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.

When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.


Optional covers

Add any of these optional covers for an additional premium and greater cover.

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 building.

The Motor burnout option covers you if an electrical current damages your household electrical motors.

Flood cover may be available as an optional cover to your buildings. A 72 hour exclusion period applies.

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.


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.

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

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 arrange insurance through Allianz, who has a quick and efficient claims process, to bring you this insurance. Click here for information on how to claim.

Get a quote Call 1300 467 872

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.


What does Buildings Insurance cover?

Buildings > What’s covered?

Buildings Insurance is designed to protect the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Buildings Insurance

If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Vital Home Insurance, Classic Home Insurance, Prestige Home Insurance or Landlord Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Home Building 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, we 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 the calculator. It works as a guide to help you estimate the replacement value of your home building.

Home Building replacement calculator

Value my home


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 Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings key fact sheet also available for reference.

1300 Insurance Pty Ltd ABN 50 124 845 727 AR Number 327609 is authorised to arrange and provide written general advice on this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). 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 from 1300 Insurance website. 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.


1A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

3Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

4If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

5If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

Buildings Insurance

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 467 872 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the buildings insurance claims process.

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 467 872 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings Key Fact Sheets.

If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

You must tell us immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

1300 Insurance will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.

If you’re renting your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address. Through Allianz, we offer a product that has been specifically designed for landlords that you can consider instead.

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:

  • You accidentally smash a hole in the wall when you move some furniture.
  • Your kids draw all over your walls.

The option to include portable contents cover under your policy may only be applied for if you have Contents cover or both Buildings and Contents cover. Your policy schedule will show which of the optional covers apply.

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, 1300 Insurance Home and Contents Insurance 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.

The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the buildings replacement value.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting 1300 Insurance on 1300 467 872). If you’re not sure whether you have added these cover options, you can check your policy schedule.

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

You must tell 1300 Insurance immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When we receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

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