page top
 

Apply Online

 

Download Forms

 

Calculators

 

Rates & Fees

 

Special Offers

Home / Banking / Insurance / Home and Contents Insurance

Attention: open in a new window. Print

Our Home Building and Contents Insurance from Allianz includes a range of features and benefits, to give you peace of mind should the unexpected happen.

Why choose Allianz for your Home Insurance:

  • Simple - Get a quote
  • Flexible - Option to pay by the month at no extra cost1
  • Choice - A range of home and contents insurance products to suit different budgets and needs
  • Easy claims process - Allianz understands that if you need to make a claim, you want to be able to settle it quickly and with a minimum of fuss

Extra ways to save:

  • Online discount of up to 10%2,3
  • Combined buildings and contents discount – when you combine your buildings and contents covers on the one policy, you may be rewarded with a discount of up to 10%2
  • Up to 30% No-Claim Bonus – Allianz offers up to 30% No Claim Bonus on its Home Insurance, meaning you may save on your premium each year you don’t make a claim, up to a maximum of 30%2,4
  • You may be able to increase your excess to reduce your premium – with Allianz Home Insurance, you may be able to increase the excess payable in the event of a claim to reduce your premium2

Get a QuoteRetrieve a Quote

 

Compare the features

The table below is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance Product Disclosure Statement, Classic Home Insurance Product Disclosure Statement and Prestige Home Insurance Product Disclosure Statement.

Features and Benefits Prestige Home Classic Home Vital Home
Provides cover for


Accidental loss or damage unless specifically excluded

(Flood cover is optional, subject to eligibility)

Accidental breakage of glass, Earthquake and tsunami, Explosion, Fire or smoke, Flood (optional, subject to eligibility), Impact damage,
Lightning or thunderbolt, Malicious acts, Riot or civil commotion, Storm, rainwater or run-off, Theft, burglary or housebreaking, Water or other liquid damage   

Accidental breakage of glass, Earthquake and tsunami, Explosion, Fire or smoke, Flood (optional, subject to eligibility), Impact damage,
Lightning or thunderbolt, Malicious acts, Riot or civil commotion, Storm, rainwater or run-off, Theft, burglary or housebreaking, Water or other liquid damage

Automatic indexation of sum insured

Compensation for death


  $10,000


$10,000


$10,000

Contents in the open air at the risk address
(available only with Contents cover)


Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details


Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details


Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details

Contents in a safe deposit box at a bank - excludes cover for theft (available only with Contents cover)


Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents


Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents


Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents
Sub-limits apply for selected contents

Credit cards - cover for fraudulent use of lost or stolen cards (available only with Contents cover)


Up to $5,000


Up to $5,000


Up to $2,500

Fusion of household electric motors


Motors up to 12 years old


Motors up to 10 years old

Guests', visitors' and domestic helpers' property
(available only with Contents cover)


Up to $5,000


Up to $5,000


Up to $5,000

Legal liability


Up to $20,000,000


Up to $20,000,000


Up to $10,000,000

Modifications to buildings for paraplegia & quadriplegia (available only with Buildings cover)


Up to $10,000


Up to $10,000


Up to $10,000

Replacement of locks or cylinders


Up to $2,000


Up to $1,000


Up to $1,000

Security firm attendance (available only with Contents cover)


Up to $500


Up to $500


Up to $500

Spoilage of refrigerated/freezer food (available only with Contents cover)


Up to contents sum insured. However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500.


Up to $500

Title deeds
(available only with Contents cover)


Up to $2,000


Up to $2,000


Up to $2,000

Veterinary costs (available only with Contents cover)


Up to $500


Up to $500


Up to $500

 

Want to learn more?

For the standard terms, conditions, limits and exclusions of the cover, you should read the Product Disclosure Statement.

 

  You might be interested in:

 

Important Information:

Northern Inland Credit Union Limited ABN 36 087 650 422 AFS Licence No. 235022 (Northern Inland) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No. 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statements available from our branches, by calling Northern Inland on 02 6763 5111 or by referring to the links under 'compare the features'. If you purchase this insurance, Northern Inland will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.
1Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
2 Minimum premiums apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior discounts/entitlements. Discounts may not be applied to the premium for optional covers, including flood (where relevant).
3 Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Other discounts may apply to insurance purchased via other methods.
4 To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.