Insurance FAQs

Do what you reasonably can to prevent any further loss, damage, or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property.

Start your Home Insurance claim online 24/7

Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. 

Alternatively, you can contact the Claims Call Centre on 1300 493 824 to submit your claim. 

The claims consultant will help you through the home and contents insurance claims process.

Flood cover is a Standard inclusion for all Building Insurance policies that start from 14 January 2025. 

For Building Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:

• You previously opted out and met certain flood risk criteria, 
• We weren’t able to offer you flood cover,
• We’ve agreed you can opt-out of flood cover as standard. 

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 or Home Contents Key Fact Sheets.

 If you’re renting your entire home out to tenants, cover is not available under a Home and Contents Insurance policy you may need to consider Landlord Insurance, you can find out more here. If you rent out part of your home whole you live at the same address, please contact us so we can determine if you are eligible for this product.

Accidental Damage is optional and provides cover in the event of damage caused by accidental, 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.

You can apply to add these options to your policy when you start or renew it, or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Allianz 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 Allianz agree that you cannot live in the home.

Do what you reasonably can to prevent any further loss, damage, or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property.

Start your Home Insurance claim online 24/7

Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. 

Alternatively, you can contact the Claims Call Centre on 1300 493 824 to submit your claim. 

The claims consultant will help you through the home and contents insurance claims process.

Flood cover is a Standard inclusion for all Contents Insurance policies that start from 14 January 2025. 

For Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:

• You previously opted out and met certain flood risk criteria, 
• We weren’t able to offer you flood cover,
• We’ve agreed you can opt-out of flood cover as standard. 

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 or Home Contents Key Fact Sheets.

 Accidental Damage is optional and provides cover in the event of damage caused by accidental, unexpected mishaps that are caused unintentionally, not just the specified insured events. 

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for example when you spill red wine on the carpet or lounge. 

Allianz will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

Through Allianz, we’ll cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst items contents are in transit (unless you have Accidental damage cover).

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.

Allianz 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 Allianz agree that you cannot live in the home.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Do what you reasonably can to prevent any further loss, damage, or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property.

Start your Home Insurance claim online 24/7

Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. 

Alternatively, you can contact the Claims Call Centre on 1300 493 824 to submit your claim. 

The claims consultant will help you through the home and contents insurance claims process.

Flood cover is a Standard inclusion for all Contents Insurance policies that start from 14 January 2025. 

For Contents Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:

• You previously opted out and met certain flood risk criteria, 
• We weren’t able to offer you flood cover,
• We’ve agreed you can opt-out of flood cover as standard. 

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 or Home Contents Key Fact Sheets.

Accidental Damage is optional and provides cover in the event of damage caused by accidental, unexpected mishaps that are caused unintentionally, not just the specified insured events. 

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge. 

Allianz will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.

You need to provide evidence of the value and ownership of both listed and unlisted portable contents.

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Allianz 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 Allianz agree that you cannot live in the home.

Do what you reasonably can to prevent any further loss, damage, or liability.

Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary, or loss of insured property.

Start your Home Insurance claim online 24/7

Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps. 

Alternatively, you can contact the Claims Call Centre on 1300 493 824 to submit your claim. 

The claims consultant will help you through the home and contents insurance claims process.

Flood cover is a Standard inclusion for all Landlord Insurance policies that start from 14 January 2025. 

For Landlord Insurance policies starting before 14 January, flood cover was optional. If you’re a renewing customer, you may be able to continue without flood cover if:

• You previously opted out and met certain flood risk criteria, 
• We weren’t able to offer you flood cover,
• We’ve agreed you can opt-out of flood cover as standard. 

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 or Home Contents Key Fact Sheets.

You can apply to add these options to your policy when you start or renew it, or during your period of insurance by contacting Allianz on 1300 493 824. If you’re not sure whether you have added these cover options, you can check your policy schedule.

This insurance policy has been designed for people who are renting their property out to tenants under a residential rental agreement. Contents owned by you (or for which you are legally responsible) and provide for the use of the tenants may also be covered under the policy. This policy is not suitable for covering the building or contents of the home you live in. In this regard, we offer a Home and Contents product that has been specifically designed for homeowners or renters.