Why choose home and contents insurance?
Insure your house, your belongings inside it, or your portable contents. With products and options to tailor your cover, you can select the right product for you.
The better you understand your policy, the easier it will be if you ever have to claim.
To help you decide the cover you need, Here's a brief outline:
Cover for the unexpected: Allianz offers protection for events such as fire, storm and burglary.
Legal liability: coverage for your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property which occurred at the insured address.
Optional cover - Portable contents: You can choose optional cover to protect your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance.
Ways to purchase:
Get a quote for Home and Contents Insurance
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If you purchased home or landlord insurance before 16 November 2020, please refer to the relevant Product Disclosure Statements (PDS), any applicable supplementary PDS and the Buildings or Contents Key Fact Sheets.
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Call 1300 131 605 from Monday to Friday, 9am to 5pm (AEST)
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Terms & Conditions
- 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.
- 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 Claims Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5years. 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.
- 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.
- A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers. This combined discount does not apply to Landlord Insurance policies.
Home and Contents insurance is issued by and underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 00 122 850 AFSL 234708. HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162 AFSL 232595 acts as an agent for Allianz in providing its arranging and referral services and may provide general advice in relation to the products mentioned. We do not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Product Disclosure Statement (PDS) before you make a decision. A copy of the PDS is available at www.hsbc.com.au, by visiting an HSBC branch or calling 1300 308 008. HSBC receives commission, which is a percentage of the premium, details can be provided on request. HSBC does not guarantee or accept liability for any products offered by Allianz. Discounts may not be applied to any flood component of the premium (if applicable).