Home & Contents Insurance
Insure your home inside and out from loss or damage caused by one or more of 11 insured events.
Combining buildings and contents covers on the one policy
Get cover for your home buildings and your contents by combining buildings and contents covers on the one policy. If you take both Building and Contents Insurance, here’s how they can work together if the unexpected occurs:
- Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under buildings and contents covers, you could rebuild and replace your insured belongings.
- A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as bench tops, with buildings cover. Then you could replace damaged items like blinds and kitchenware under your contents cover.
- A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your buildings cover and replace the items that were stolen under your contents cover.
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
Save up to 10% on your first year’s premium when you quote and buy a new home insurance policy online1,4
24/7 online claims lodgement
Combine your building and contents cover to receive up to 10% discount on your premium2, 4
Pay by the month at no extra cost6
Features and 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 and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance.
Key features and benefits
Policy Document and Key Fact Sheets
Home Insurance Calculators
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, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.
Get in touch
To experience our local customer service where you speak to a real South Australian insurance expert every time, please get in contact with us!
When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional covers.
If 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.
If 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.
72 hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.