Allianz Home and Contents Insurance can cover your home building and belongings for specified insured events, but the actual cover depends on the policy version, sums insured, excesses and optional covers shown in your documents. For new policies bought from 20 July 2025, Allianz lists its Home Insurance Product Disclosure Statement, prepared 1 April 2025, as the relevant PDS. Check your own policy documents before relying on a product-page summary.
Which Allianz policy wording applies?
Allianz lists different policy documents for different purchase and renewal dates. The PDS for new policies bought from 20 July 2025 is the Home Insurance Product Disclosure Statement, prepared 1 April 2025. Allianz says the PDS, any applicable Supplementary PDS, your policy details document and other documents it identifies together make up your policy. If you bought or renewed earlier, use the documents Allianz lists for your dates rather than assuming the current new-policy wording applies. See Allianz’s policy documents index.
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Allianz explains that a PDS sets out what is and is not covered, insured events, claim limits, exclusions and the claims process. Its policy information page is a useful starting point, but the PDS and your policy details are the operative documents.
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What does Allianz Home and Contents Insurance cover?
Allianz describes the policy as cover for loss or damage to the insured home building and/or contents from insured events. The events it lists include:
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- Fire or smoke, bushfire and grassfire
- Storm, cyclone or rainwater; flood or run-off
- Lightning, earthquake or tsunami
- Sudden escape of liquid
- Theft or burglary, vandalism or malicious damage
- Impact damage, explosion, riot or civil commotion
- Accidental breakage of glass or ceramic items
These are broad event categories, not a promise that every loss involving one of them is payable. Definitions, conditions, sublimits and exclusions in your applicable PDS and policy details determine whether a particular claim is covered. Allianz’s Home and Contents Insurance page summarizes cover; it does not replace the policy wording.
Building cover
Building cover relates to the residential building, structures and fixtures at the insured address. Fixed features generally belong under building cover, while loose belongings are considered contents; the policy definitions determine how a particular item is treated. Check that the building sum insured reflects the cost of rebuilding, not simply the property’s market value.
Contents cover
Contents cover applies to belongings at the insured address that you own or are legally responsible for. Allianz’s PDS examples include furniture, household goods, white goods, clothing, appliances, technology, bicycles and tools. The contents sum insured should be based on replacement costs. For items that could reasonably fall between building and contents definitions, check the PDS rather than assuming which section applies.
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Allianz advertises benefits subject to policy terms and conditions. Examples on its product page and in the PDS include repair, rebuilding or replacement after an insured event; legal liability cover up to $20 million; up to $1,000 for food or prescription-medicine spoilage after fridge or freezer failure; and up to $2,000 to replace locks after stolen keys.
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For accepted building claims, Allianz says debris removal, professional fees and required building-code upgrades are covered up to 10% of the building sum insured. It also describes environmental or resilience improvements up to $20,000 per period of insurance in certain flood, bushfire or cyclone rebuild situations, after applicable government or council rebates. These figures have specific triggers and conditions: confirm the applicable PDS and your policy details for the exact scope.
Allianz says one excess applies when the building and contents are both damaged by the same insured event. Check your policy details for the excess amount and the circumstances that qualify as one event.
What is not covered, or may need written agreement?
Allianz’s product summary flags several important restrictions, but its list is not exhaustive. The PDS provides the fuller exclusions, definitions and exceptions. In particular, check the wording for:
- Wear and tear, existing defects, gradual deterioration and poor maintenance. Allianz’s claims guidance distinguishes gradual deterioration from sudden damage caused by an insured event.
- Homes unoccupied for more than 60 days without Allianz’s written agreement.
- Renovations or building work over $75,000 without written agreement.
- Holiday letting or short-term tenancy.
- Pest or vermin damage, subject to the PDS’s stated exceptions.
A 72-hour exclusion period may apply after first taking out cover or increasing it for damage caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires or bushfires. The PDS sets out exceptions, including some renewals and qualifying replacement policies with no break in cover. Check those conditions before relying on cover immediately after starting or increasing a policy.
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Allianz says contents are covered while moving between your old and new Australian addresses for up to 14 days after the move starts, but not while in transit. You must tell Allianz about the new address as soon as reasonably possible, and it must be a permanent Australian address. The applicable PDS governs the precise conditions.
Which optional covers might matter?
Allianz lists optional accidental-damage cover, motor-burnout cover, portable-contents cover, contents in commercial storage and a rebuild safety net, among other options. These are not automatically included just because they appear on the product page. Availability can depend on policy type and circumstances, and options can affect the premium. Check the quote and policy documents to see what you have selected.
Portable contents
Portable contents cover is intended for items you carry or wear away from home. Allianz describes both listed and unlisted options. Unlisted cover is capped at $1,000 per item and $5,000 per claim; portable items worth $1,000 or more must be listed to be covered for their full replacement value, subject to the excess and policy terms. Allianz states that cover outside Australia is limited to 90 continuous days in a period of insurance. Review the portable contents information and PDS against the value of what you take away from home.
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Base the contents sum insured on what it would cost to replace your belongings, rather than their second-hand value. Allianz recommends reviewing the figure each year before renewal. It says it automatically increases the general contents sum insured at renewal, but does not adjust specified contents or portable contents values; review those amounts and add new items when needed. Its contents valuation guidance suggests listing belongings and noting higher-value items separately, with purchase dates and serial numbers where useful.
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- Walk through each room and estimate current replacement costs for ordinary belongings.
- Record higher-value belongings separately and check whether they need to be specified.
- Review specified and portable-item values as well as the general contents sum insured.
- Keep relevant receipts, serial numbers and other proof of ownership where available.
What to expect if you make a claim
Allianz says contents claims may be settled by repair, replacement or payment of an item’s value, depending on the loss. For lost or stolen mobile devices, it may request proof of ownership, a police report number and other agreed evidence. Some claims may require repair reports or expert opinions. Keep records relevant to your belongings and contact Allianz before incurring expenses you intend to claim. See Allianz’s home insurance claims guidance for its examples and process.
How to judge whether it suits your home
A useful comparison depends on your property and the cover settings in each quote; the available information does not establish that Allianz is cheaper or better value for a particular household. Compare like for like on these points:
- How each insurer defines buildings and contents, and whether your sums insured are adequate.
- Insured-event definitions and exclusions, especially flood, storm, occupancy and maintenance conditions.
- Excess amounts and whether one or multiple excesses apply to damage from a shared event.
- Whether relevant options—such as accidental damage, portable contents, motor burnout or a rebuild safety net—are available and selected.
- Any catastrophe exclusion or waiting period that applies to your circumstances.
- The quoted premium for the same property details, sums insured, excesses and options, including any discount conditions.
Allianz advertises monthly payments at no extra cost and up to 10% off when building and contents cover are combined under one Home Insurance policy. The advertised discount is subject to terms: minimum premiums may apply, taxes and charges are excluded, the discount does not apply to optional portable contents cover, and Allianz applies multiple discounts in a specified order. Confirm the discount and final premium in your quote.
Allianz reports that it paid more than $1.5 billion in 2025 on closed Home, Landlord and Renter Insurance claims across Allianz Australia Insurance Limited’s direct and distribution channels. This is an insurer-reported company total; it is not a claim acceptance rate, average settlement time or measure of customer satisfaction, and it is not limited to Home and Contents policies.
Quick Recap
Sources
- Allianz policy documents
- Allianz Home and Contents Insurance
- Home Insurance Product Disclosure Statement, prepared 1 April 2025
- How to calculate your contents insurance cover, updated 29 January 2026
- Portable Contents cover
- Home Insurance claims
- Policy information
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