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. So you want to be sure that your home and the things you keep in it will be protected if something bad happens.

1300 Insurance can refer you to Allianz for home and contents insurance. Whether you’re looking for cover for specified insured events, or more comprehensive accidental loss or damage cover, we may be able to help. There’s a choice of three levels of cover to suit customers with different needs, with a wide range of benefits designed to give you peace of mind.

Home & Contents Insurance in brief*

Home and contents insurance provides cover for permanent buildings and on your property, as well as your possessions such as your furniture, fixtures and fittings, appliances, clothes and personal effects. Classic and Prestige Home Insurance can even cover your garden landscaping up to the policy limit. Home and contents insurance also includes up to $5,000 cover for property belonging to your guests or visitors.

Home and contents insurance can protect you 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.

All home and contents insurance products we offer are packed with great benefits, including:

  • Cover for use of lost or stolen credit cards
  • Replacement of locks or cylinders
  • 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

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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 could reduce the cost of your home and contents policy with a No Claim Bonus of up to 30%. And even if you’ve made up to two claims in that period, you could still qualify for a reduced No Claim Bonus.2,3

Buying home and contents insurance in a single package is the easy way to get peace of mind – and you can get a discount of up to 10% for combining your home buildings and contents insurance on the same policy3.

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


You’ve put a lot work into your home and you need an insurance policy you can trust.

Policy Benefits

Home insurance products include reimbursement of the costs of emergency storage of your possessions after an insured event, and reimbursement of money spent on your credit cards if they are lost or stolen (up to the limit in your policy).

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

By choosing 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 know 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 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. 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 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 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 and 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

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.


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 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.

3 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).

Home & 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.