A sum insured policy with an optional 30% underinsurance safety net for your building. Accidental damage cover is optional.
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Description
- Insurer
- Allianz
- Policy
- Home and Contents
- Provider
- Allianz Australia Insurance Limited
- About the insurer
- Allianz
Cover summary
- Building cover
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- Nominate a sum insured for your building
- Optional 30% underinsurance safety net
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents worldwide
Cost
Results for paid members only
- Same price to pay monthly
- ACT price comparison
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- NSW price comparison
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- NT price comparison
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- North Queensland price comparison
- Members only
- South Queensland price comparison
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- SA price comparison
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- Tasmania price comparison
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- Victoria price comparison
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- WA price comparison
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Covered events
- Theft
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- Covers loss and damage due to theft, attempted theft, burglary and attempted burglary
- Up to $2000 for replacement locks and cylinders of any external door or window, after theft of key (no excess)
- Up to $500 for cost of security service responding to monitored alarm signal
- No cover for theft by you or residents
- No cover for theft by people acting with your express or implied consent
- No cover for theft by people employed at the home, or their invitees
- No cover for theft by people you or a resident invites into the home
- Fire
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- Covers fire, bushfire and grassfire
- Also covers damage caused by smoke, ash and soot
- Accidental damage option adds cover for scorching and melting
- No cover for gradual exposure to fire or smoke
- No cover for items designed to be exposed to heat
- 72 hour waiting period for bushfire and grassfire
- Flood
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- Covers damage caused by flood, run-off and flood water combined with run-off and/or rainwater
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by shrinkage or expansion of earth
- No cover for bridges
- No cover for retaining walls
- No cover for gates or fences that aren't well maintained and are in poor condition to the extent that this causes or contributes to the damage
- No cover for trees, shrubs or plants planted in the ground
- No cover for pontoons or jetties
- No cover for swimming pool or spa covers, liners or solar domes
- No cover for cost of replacing water in tanks, swimming pools or spas
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- 72 hour waiting period
- Storm and cyclone
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- Covers damage caused by storm, cyclone and rainwater
- Also covers damage caused by rainwater, hail, wind or water that enters building through openings made by the storm
- Accidental damage option adds cover for damage caused by rainwater, hail, wind or water that enters building through an open door, window or other opening
- Covers damage caused by soil movement, erosion, landslide, mudslide and subsidence, but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by rainwater, hail, wind or water that enters building through an opening made for the purpose of construction, alterations, additions, demolition, repairs and decorations
- No cover for damage caused by hydrostatic pressure
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to faulty design or materials, structural defects or poor workmanship of which you could reasonably be expected to have been aware
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to lack of maintenance and poor housekeeping
- No cover for damage caused by rainwater, hail, wind or water that enters building due to due to gradual deterioration, wear and tear, of which you could be reasonably expected to have been aware
- No cover for retaining walls
- No cover for trees, shrubs or plants planted in the ground
- No cover for swimming pool or spa covers, liners or solar domes
- No cover for cost of replacing water in tanks, swimming pools or spas
- No cover for cost of cleaning mud or debris in tanks, swimming pools or spas
- No cover for rainwater damage to external paintwork or coatings
- 72 hour waiting period for cyclone
- Storm surge
- Not covered
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers damage from vandalism and malicious acts
- No cover for damage by you or anyone lives at the address
- No cover for damage by any person you or a resident invite into home, any person acting with your consent or any person employed at the home
- Riot & civil unrest
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- Covers riot; civil commotion and public, industrial or political disturbance
- No cover for damage caused by terrorism
- Impact damage
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- Covers damage caused by falling trees or parts of trees
- Covers damage caused by motor vehicles, trains or watercraft
- Covers damage caused by power poles
- Covers damage caused by satellite dishes; antennas; solar panels; rooftop hot water tanks; or items on a roof if it collapses or breaks
- Covers damage caused by animals (except pets kept at the home)
- Covers damage caused by aircraft; drones; falling objects; space debris; or anything dropped from an aircraft or drone
- No cover for damage caused by cutting or chopping trees, or parts of trees, at your address
- Does not cover costs to remove trees or branches when there is no damage to buildings or contents
- Does not cover costs to remove tree stumps unless required to allow for repairs or rebuilding
- Animal damage
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- Covers impact damage caused by animals
- Covers fire and water/liquid damage caused by vermin (including "native vermin" e.g. possums)
- No cover for damage caused by birds, insects or pets kept at the address
- Escape of water and other liquids
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- Covers bursting, leaking, discharging and overflowing from: › fixed pipes, gutters and drainpipes › domestic appliances, radiators, oil heaters, waterbeds and aquariums › sinks, baths and basins › fixed rainwater or hot water tanks › water carrying apparatuses
- Accidental damage option covers damage caused by sinks, baths, basins overflowing due to tap being left running with plug in the drain
- No cover for damage caused by gradual escape of liquid over time which you could reasonably be expected to have been aware of
- No cover for sudden escape of liquid from shower bases, recesses, alcoves; or walls surrounding shower
- No cover for defective parts that caused loss or damage
- No cover for any broken mains or pipes
- No cover for cost of lost water
- Breakage
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- Covers: – fixed glass or ceramic items (including fibreglass) – glass in windows – hanging wall mirrors – glass in cooking surfaces – glass in sinks and toilets – glass (incuding fibreglass) that forms part of contents – fixed or unfixed tabletops
- Accidental damage option covers: – ceramic tiles – glass in televisions, clocks, vases and ornaments – glass in items such as crockery, porcelain, china, hand mirrors, glassware or crystal – glass in computer monitors, laptops, mobile phones, smart watches and tablets (if there is no other damage from the same event)
- No cover for cracks, scratches or chips
- Does not cover: – tiled shower bases – glass forming part of glasshouses, greenhouses or conservatories
- Accidental damage
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- Optional
- Covers accidental loss and damage to home and contents
- Covers water damage caused by a sink, bath or basin overflowing due to a tap being left running with the plug left in the drain
- Covers storm caused by rainwater, hail, wind or water that enters your building through an open door, window or other opening (except openings made by the storm)
- Covers scorching and melting
- Covers accidental breakage of ceramic tiles, glass in crockery, porcelain, china, hand mirrors, glassware and crystal or glass in clocks, vases and ornaments
- Covers accidental breakage of glass in computer monitors, laptops, mobile phones, smart watches and tablets where there is no other damage caused to the item
- Covers jewellery, watches, laptops, portable electronic items, mobile phones and gold and silver items outside or in the open air
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
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- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Cash settlement for building claims
- Customer cost
- Cash settlement for contents claims
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- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
- New for old contents replacement
- Covered (excludes mobile phones and tablets (may be replaced with refurbished model))
- Unoccupied homes
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- $1000 additional excess if unoccupied for more than 60 consecutive days
- You must inform insurer if home will be unoccupied for this long
Building
- Motor burnout
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- Motors up to 10 years
- Optional
- Keys and locks after break-in
- Up to $2000 overall
- Gardens and landscaping
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- Up to $5000 overall
- No cover for storm, flood or tsunami
- Costs to comply with building regulations
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Professional fees
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Mortgage discharge fees
- Not covered
- Debris removal and demolition
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Exploratory costs
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- Applies to claims for sudden escape of liquid
- Covers exploratory work to locate source of damage
- Up to reasonable cost
- Temporary accommodation
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- Up to 10% sum insured
- Paid on top of sum insured
- Covers rental accommodation for you and your pets, utility connection costs, mail redirection, and rental bond
Contents
- Cover for unspecified portable contents
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- Covers some items for accidental loss or damage
- Up to $5000 overall
- Up to $1000 per item
- Covered anywhere in Australia, and for up to 90 days in rest of the world
- $100 excess
- Optional
- Optional cover for individual portable valuables
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- Cover for accidental loss or damage
- Covered anywhere in Australia, and for up to 120 days in rest of the world
- $100 excess
- Contents in the open air
- Up to 20% sum insured overall
- Emergency storage
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- Up to remaining sum insured after claim settlement
- Covers moving and storing undamaged contents
- Jewellery
- Up to $7500 per item, set or collection
- Artworks
- Up to $7500 per item, set or collection
- Collections (e.g. stamps, coins)
- Up to $7500 per item, set or collection
- Digital media
- Not covered
- Spoiled food
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- Up to $1000
- Covers perishable food and medicine in domestic refrigerator, freezer or deep freeze unit
- Covers spoilage caused by unit failure, escape of refrigerant fumes and accidental failure of public electricity supply
- No cover for spoilage caused by industrial action, a deliberate act of a power supply authority, disconnection or switching off the electricity supply by you, or failure of motor more than 10 years old
- No excess for claims relating only to spoilage
- Visitors' contents
- Up to $5000 overall
- Pet cover
- Not covered
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
- Not covered
