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Features and Benefits

Backed by an award-winning insurer

Allianz Australia has been supporting customers for over 100 years. As one of Australia’s largest general insurers with more than 3 million customers, you can be confident that with Allianz you’re in capable hands.

Cover for the unexpected

Insurance is all about helping us get a good night’s sleep – secure in the knowledge that if something goes wrong, we have insurance in place to help get through it.

24/7 online claims lodgement

When you need to make a claim, Allianz are there for you with 24 hour claims lodgment available online, or you can call the claims line to commence the claims process over the phone during office hours.

Optional cover

A range of optional covers to suit your needs, including flood cover, motor burnout, accidental damage cover for your home building and/or contents, and portable contents cover.


Apply to add any of these optional covers for an additional premium and greater cover.
Person painting
Accidental damage

Helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home buildings and/or contents.

Flood cover

Flood water can cause serious damage to your home building and its contents – and when it combines with run-off and rainwater can create even more damage. A 72 hour exclusion period applies.

Taking clothes out of a washing machine

Motor burnout

Motor burnout can be costly and inconvenient – especially when it happens to a major appliance, like your refrigerator, freezer or washing machine. The Motor burnout option covers you if an electrical current damages your household electrical motors and is automatically included when you take out optional Accidental Damage cover.

Domestic workers’ compensation

Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Family looking at mountain landscape

Portable contents

Portable contents are items such as a mobile phones, cameras and engagement rings and are covered 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.

For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) and the Home Buildings and Home Contents Key Fact Sheets (KFS).

Get a Quote

Insure your house and the things inside it.
Get your online quote today, visit us in branch or call us on 1300 138 831

A home is more than where you live. Filled with memories, achievements and milestones, be sure to protect it from the inside and out.

  • Save up to 10% on your first year's premium when you quote and buy a new home insurance policy online 1, 3
  • 24/7 online claims lodgement
  • Pay by the month at no extra cost5

Making a Claim

It's quick and easy to lodge a claim online or over the phone with Allianz. What you need to get started:

  • Your policy information
  • Information about the incident, such as the date, where the damage occurred, etc.
  • Details about the loss or damage you are claiming for
  • Information about any other people or property involved

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home and Contents Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Building or Home Contents Key Fact Sheets also available for reference. The relevant Target Market Determination is available by calling 1300 138 831.

Auswide Bank Ltd ABN 40 087 652 060. Australian Financial Services Licence 239686 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement. The relevant Target Market Determination is available by calling 1300 138 831. To help you make an informed decision about whether to use Auswide Bank to acquire an Allianz insurance product, you should read our Auswide Bank Financial Services Guide. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1. Online discount
When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including for the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2. No Claim Bonus
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five 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. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected. 
3. Minimum premiums
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.

4. Excess reduction
Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.

5. Instalment premiums
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.

6. 72 hour waiting period
We do not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfire 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.