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The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Select the cover to suit your needs.
Effective 22 February 2021
| Cover | Details |
Rebuilding and professional fees | If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000. |
Cover for the unexpected | Allianz offers protection for out of the ordinary but devastating events such as fire7, storm and burglary. |
Cover for storm damage7 | Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm. |
Making your buildings environmentally friendly | If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly. |
Alternative accommodation for you and your pets | If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz pay the additional costs for temporary accommodation for you up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. |
Replacement locks | Allianz will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied. |
Vandalism or malicious damage | You are covered for loss or damage caused by vandalism or a malicious act. |
Debris removal | In addition to your buildings sum insured, Allianz will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings. |
Legal liability | Allianz will cover 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 caused by an accident (or series of accidents). |
24/7 online claims lodgement | When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claim line to commence the claims process over the phone. |
Cover when you’re moving house | Allianz will cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover). |
Optional covers
Apply to add any of these optional covers for an additional premium and greater cover.
| Cover | Details |
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. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home. |
Motor burnout | The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover. |
Flood cover | Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies. |
Domestic workers’ compensation cover | 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. |
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A residential investment property needs to be appropriately insured. Landlord insurance can give you the confidence that your property will be covered should something go wrong. Allianz Landlord Insurance covers the property and/or the contents you provide for your tenant’s use from loss or damage by insured events.
The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a landlord insurance policy. For full details of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and Landlord Buildings and Landlord Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.
Select the cover to suit your needs.
Effective 22 February 2021
| Cover | Details |
Cover for the unexpected | Allianz offers protection for your investment property for out of the ordinary but devastating events such as fire7, storm and burglary. |
Legal liability | Allianz will cover 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 caused by an accident (or series of accidents). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot. |
| If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianze will pay up to $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly |
Landlord contents | In the event you require repair or replacement of your contents you own and provide for your tenant’s use. If you select buildings cover, Allianz will pay up to $10,000. Alternatively, if you select contents cover, Allianz will pay, up to the sum insured. |
Rental costs after an insured event | If your buildings are damaged by an insured event and can’t be lived in by your tenant, or access to or use of the buildings is not possible after an insured event Allianz will pay for your loss of rent on the buildings for up to 12 months if you have buildings cover or if your building is part of a strata title development and you have contents cover only. |
Rebuilding and professional fees | If you need to rebuild your buildings after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000. |
Debris removal | Allianz will pay up to 10% of the building and/or contents sum insured for removing debris from your insured address if your buildings are damaged or destroyed by an insured event. |
24/7 online claims lodgement | When you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone. |
Contents in the open air at the insured address | Allianz will cover contents in the open air (that you own and that you have provided for your tenants use) which have been lost or damaged by an insured event covered by your policy, up to a maximum amount of $1,000. |
Optional covers
Add any of these optional covers for an additional premium and greater cover.
| Cover | Details |
Landlord workers’ compensation cover | Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS. |
Flood cover | Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies. |
Rent default & theft by tenant | Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total for all claims during the period of insurance. Cover for loss or damage to your insured buildings or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant |
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Protect your home inside and out from loss or damage caused by one or more of 11 insured events.
Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.
Buying a new home is an exciting time in your life and a big part of planning for your future. So it's important to make sure you're covered for whatever life throws at you.
