Compare Home Insurance

Compare home and contents insurance at a glance

If you are looking to purchase buildings cover only, the following table may assist you in deciding which Allianz home insurance product offered by 1300 Insurance 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 Statement (PDS).

Vital Classic Prestige
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Key Features

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

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

Landlords' contents

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

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

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This is a brief summary only. Conditions apply. Full details are contained in the Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording), available from the policy documents page.

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.