Home & Contents Insurance

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Home & Contents Insurance

Your home is more than a house – it’s your way of life, a comfortable haven filled with the things you love. You may wish to ensure that your home and the things you keep in it are insured in the event of an insured event.

Whether you’re looking for cover for specified insured events, or more comprehensive accidental loss or damage cover, 1300 Insurance may be able to help. We offer a choice of three levels of home and contents insurance cover to suit customers with different needs, with a wide range of benefits.

Home & Contents Insurance in brief*

Home & contents insurance through 1300 Insurance can provide cover for permanent buildings and fixtures on your property, as well as your possessions such as your furniture, fixtures and fittings, appliances, clothes and personal effects. If you choose Classic Home Insurance or Prestige Home Insurance, your policy can even cover your garden landscaping up to the policy limit. All home and contents insurance products we offer also includes up to $5,000 cover for property belonging to your guests or visitors.

Home & contents insurance through 1300 Insurance can protect your home and contents from a range of events: earthquake, storm, lightning strike, fire, explosion, impact damage, theft or malicious acts. Make sure you check the PDS which sets out the standard terms, conditions, limits and exclusions of cover.

If you purchase home and contents insurance through 1300 Insurance, your policy will be packed with great benefits, including:

  • Cover for use of lost or stolen credit cards up to $2,500 for any one occurrence of loss or theft of one or more of your cards, when you have contents cover and have complied with the conditions under which your card was issued before we will pay you under this benefit (No excess will apply)
  • Replacement of locks or cylinders up to $1,000 on Vital and Classic policies and up to $2,000 on Prestige policies
  • Accidental breakage of glass or ceramic items that make up a part of your buildings if you have Buildings cover

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.

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With 1300 Insurance you can spread the cost of your home and contents 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 and contents.1

Made no claims on your home or contents insurance in the last five years? You may be able to reduce the cost of your home and contents policy with a no claims bonus of up to 30%. And even if you’ve made up to two claims in that period, you may still be able to qualify for a reduced no claims bonus.2,3

Buying home and contents insurance in a single package is easy - and you may be able to get a discount of up to 10% on 1300 Insurance Home Insurance for combining buildings and contents insurance covers on the same policy.2,4

*For the standard terms, conditions, limits and exclusions of cover, please refer to the relevant PDS.


Policy Benefits

If you purchase home and contents insurance through 1300 Insurance, your policy will include cover for the costs of emergency storage of your possessions after an insured event, and cover for money spent on your credit cards if they are lost or stolen (terms, conditions, limits and exclusions apply, please refer to the relevant PDS).

There is even cover for your legal liability if someone else not living with you is injured on your property, and the insurer will pay compensation of $10,000 to your estate if you suffer a fatal injury at your home as a result of visible bodily injury caused by burglars or by fire.

If you choose Classic or Prestige Home Insurance, you can also be covered for burnout of your household electric motors, spoilage of perishable food in your fridge and freezer, and even your garden landscaping, up to the policy limits. Plus you will have higher policy limits compared to Vital Home Insurance.

Choose your level of cover

We understand that different customers have different needs, so we offer a choice of three levels of cover for customers to choose from, all packed with great features and 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 earthquake, fire or storm.

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 up to 10 years old. 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 or contents (check the PDS for exclusions). It also includes valuable extra benefits, such as legal defence costs (if approved by the insurer) and cover for your possessions when they are in transit to your new place of residence. It also offers twice the limit of legal liability compared to Vital Home Insurance.

For a summary of the home buildings and contents insurance covers available through 1300 Insurance – 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 1300 Insurance 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.

Policy Exclusions

Home and contents insurance transfers many of the risks home owners face from you to the insurer. However, it is important to understand that home and contents insurance does not cover every circumstance or expense that you may incur. Your level of cover will depend on the home insurance product you choose. Some types of cover, such as cover for flood, are optional and subject to eligibility and require payment of additional premium. For the standard terms, conditions, limits and exclusions of cover, please refer to the relevant Product Disclosure Statement.

Important information

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 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 and Caravan and Trailer policies arranged or referred by us (or renewed with Allianz) in each calendar year, provided that the relevant premium threshold is met for those policies and Business insurance policies that we refer to Allianz. 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 Business insurance policies arranged or referred by us to Allianz in the previous 12-month period. Ask us for more details before we provide you with services.


1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

2 Minimum premiums may apply. If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any 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. No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected). Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.

3 When you take out a new policy, we calculate your No Claims Bonus based on your home 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. However, customers who have had claims may still qualify for a reduced No Claim Bonus. After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% - to a minimum of 0%. The up to 30% No Claim Bonus discount is applied to some optional covers if selected: Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover (if selected).

4 A discount of up to 10% for combining Buildings and Contents covers on the one policy is be applied for Building and Contents, Motor Burnout and Accidental Damage where you have selected these covers, but, not for applied to your Flood premium or Portable Contents cover. (if selected). Allianz applies discounts to your premium in a predetermined order. This means the effect of applying any subsequent discounts will be reduced. Discounts do not apply to taxes or government charges. Any discounts may be subject to rounding. Minimum premiums may apply.

Home & Contents 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 landlord 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 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.

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.

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