The information on this page is for policies starting from 14 January 2025.
For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS).
Why choose Allianz Contents Insurance?
12 insured events, 1 simple policy
Whether it's a burglary, fire2, or storm2, we're here to help you repair, replace or rebuild.
Up to 30% No Claim Bonus3,4
With our Home Insurance, you could get up to 30% No Claim Bonus depending on your claims history.
Award-winning insurance
From Innovation Excellence to Outstanding Value, we’re proud to have won numerous industry awards over the years.
What does Contents Insurance cover?
Our Contents Insurance covers the cost of loss or damage to your contents at home. This includes your furniture, white goods, rugs, electrical appliances, clothes, linen, and more.
Below is a snapshot of some of our product features, benefits, and exclusions. For the full list of product inclusions and exclusions, we recommend reading the relevant Product Disclosure Statement (PDS).
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What's covered
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What's not covered
What's covered
What's not covered
Allianz Contents Insurance benefits
This is a summary only of some of the features and benefits available on Allianz Home Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions.
Upgrade your cover
Consider adding these optional extras to your policy for an additional premium and greater coverage.
Portable Contents
Covers the cost of replacing your portable items if they’re stolen or damaged. Portable items include wallets, glasses, jewellery, cameras, and mobile phones.8
Accidental Damage
Covers you for accidental damage caused by sudden, unforeseen, and unintended events, not just the specified insured events. This option automatically includes Motor Burnout cover.
Motor Burnout
Covers electrical current damages to your home’s electrical motors, such as your fridge or freezer, if they’re under 10 years old.
Domestic Workers' Compensation
Covers people you employ at your insured address to help you around the house, such as a cleaner, gardener, or nanny. Only available in TAS, WA, and ACT.
Save up to 10% when you buy both Building and Contents cover and combine them on the one policy3,9
Conveniently combines Building and Contents cover on the one Home Insurance policy. Covers the cost of loss or damage to both your home building and home contents.
Has your property or its contents been damaged? Making a claim with us is quick and simple. Find out what’s involved and what you’ll need to make a claim.
Contents Insurance calculator
When you take out Contents Insurance, it’s important the amount you’re insured for accurately reflects the cost to replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured less than the replacement value of your contents.
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Frequently asked questions
Contents insurance is designed to help cover the cost of loss or damage to your contents at your home. This includes everything from furniture, rugs and appliances to your BBQ and even clothes, shoes, handbags and more.
Our Contents Insurance covers the cost of repair or replacement when loss or damage is caused by fire (including bushfires2 and grassfires2), break-ins, storms2, earthquakes and more.
Plus, it provides legal liability cover which can cover you if you’re found liable to pay compensation to someone because you’ve accidently injured them or damaged their property during the period of insurance.
The amount you choose to insure your contents for is called the 'contents sum insured'.
The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.
There are a number of factors that determine how your Allianz Contents Insurance premium is calculated, including:
- Your risk profile. We work this out using a number of factors, such as:
- Where you live
- The type of property you’re insuring
- The amount and type of cover you require
- Any other people also insured under the policy
- The relevant claims history of the people being insured
- The likelihood of a claim being made on your policy
- Any discounts that may apply
- Any compulsory government charges such as Stamp Duty and GST
- Emergency Services Levies if they apply to the State or Territory where your home is located
- Any other charges we tell you of
- The excess you choose10
To find out the cost of your Contents Insurance through Allianz, get a quick quote in minutes.
Flood cover is included in Allianz Contents Insurance policies that start from 14 January 2025.2
For Allianz 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
If you’d like to find out whether your policy currently has Flood cover, you can log onto My Allianz to check your policy documentation or call us on 13 1000.
With Allianz, you may be able to save on your Contents Insurance premium by increasing your basic excess. Our policies come with flexible excess levels, giving you the option to increase your basic excess, within a given range, which could reduce your premium.10
We offer a contents calculator that’s powered by Sum Insured Pty Ltd, to make estimating the value of your contents easy. Simply enter your address into the contents calculator and verify a few details to get an estimate of your contents’ value.
You can even adjust the pre-populated fields like number of rooms in your home and add specific contents categories to generate an estimated replacement value (sum insured amount).
It’s important that the amount you’re insured for accurately reflects the cost to replace your contents. This is because you might have to pay the difference out of your own pocket if you’re insured for less than the replacement value of your contents. The contents calculator works as a guide that can help you avoid being underinsured.
It’s easy –calculate your contents in minutes in a few simple steps.
If you take out Contents Insurance, here’s how it can work if you experience an insured loss:
- Your house or apartment you live in burns down and destroys all your contents within it. With adequate sums insured under contents cover, you could replace your insured contents.
- A kitchen fire damages your kitchen in your house or apartment. With adequate sums insured under contents cover, you could replace damaged items like blinds and kitchenware including crockery and domestic appliances.
- A thief enters the door to your house or apartment and steals your contents. You can replace the items that were stolen under your Contents Insurance.
- While rearranging your furniture, you accidentally drop your bookshelf on your glass coffee table, and the glass breaks. You can repair or replace the glass on your coffee table in this instance. This is because your Allianz Contents Insurance covers accidental breakage of glass that forms part of your contents in your home (other than those contents that are excluded such as televisions – see the PDS).
If you take out optional accidental damage cover, we’ll repair or replace the whole coffee table including the glass.
This cover option allows you to insure items which you wear or carry with you outside your insured address, such as a handbag, wallet, sunglasses, jewellery or a musical instrument. You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.
Unlisted Portable Contents
This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don’t have to specifically list an item. However, this option doesn't cover items such as laptops, tablets, mobile phones and other wearable technology which need to be covered under Listed Portable Contents.
Listed Portable Contents
This cover option allows you to cover specific portable options for their full value (less any excess). Laptops, tablets, mobile phones and other wearable technology can be listed under your policy and covered as listed portable items.
If you’re moving house, we'll cover your contents at your new address and at your old address for up to 14 days after you first start your move. This covers your contents when they are contained in the buildings at either your old or new address, but not while in transit. Read the PDS for full details of what’s covered and information that you need to provide us about your new address.
To discuss contents in storage, speak to us on 13 1000.
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To see some of the events covered and not covered by our Home Insurance, refer to our Key Fact Sheets (KFS).
*Conditions apply
- Pay by instalments
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 may apply
We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, 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.
- Minimum premiums may apply
Where discounts are applied, your premium is subject to rounding up. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Discounts won’t apply below the minimum amount payable for the policy.
- Up to 30% No Claim Bonus – Home
When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
The No Claim Bonus isn't applied to the flood component of the premium (if covered), Domestic workers' compensation (if available and selected), or Portable contents (if selected).
- Alternative accommodation
We don’t pay additional alternative accommodation costs under the contents section if we’ve paid it under the buildings section. No excess applies to this benefit.
- Debris removal
Covers up to 10% of your Buildings or Contents sum insured. You're covered for building debris removal if you have Buildings cover and for contents debris removal if you have Contents cover.
- Emergency contents storage
We’ll pay up to the remaining balance of your contents sum insured for a maximum of 12 months. That’s after we’ve paid any claim for your damaged contents.
- Portable Contents
Some portable contents must be specified on your policy schedule as Listed Portable Contents to be covered.
- Combined Discounts
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 optional covers (if selected): Motor burnout and Accidental damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional cover’s Portable contents and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
- Option to change your excess
Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.