Allianz Home Insurance & Landlord Insurance

Insure your house, the things inside it, your portable contents or your investment property. With products and options to tailor your cover, you can select the right product for you.
Allianz Home Insurance & Landlord Insurance

Why choose to buy your Allianz Home and Contents Insurance through Mortgage Choice?

  • 1
    24/7 online claims lodgement
  • 2
    Save up to 10% on your first year's premium when you quote and buy a new home insurance policy online1,4
  • 3
    Pay by the month at no extra cost6
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Home and Contents features

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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Landlord Insurance

Protect your investment property and landlord’s contents from insured events such as theft, fire, storm and malicious damage.
Get a quote today

Why choose to buy your Allianz Landlord Insurance through Mortgage Choice?

  • Cover for your investment property from insured events

  • Save up to 10% on your first year's premium when you quote and buy a new landlord insurance policy online1, 4

  • Pay by the month at no extra cost 6

Protection for your investment property

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

Whats covered?
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.


Making your buildings environmentally friendly

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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Disclaimers

Mortgage Choice Limited (Mortgage Choice) ABN 57 009 161 979. AR No. 435921 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. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement and key fact sheets available from https://www.mortgagechoice.com.au/insurance/home-insurance/ or by calling 1300 736 085. The relevant Target Market Determination is available by calling 1300 736 085. 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

[Home] 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 the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

[Landlord] When you quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year's premium including the following optional covers (if selected); Flood and Rent Default and Theft by Tenant. This discount isn't applied on renewal.

2. Combined

[Applies to Home & Contents only] 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.

3. No Claims Bonus

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 Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 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.

4. 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.

5. Option to change your excess

Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

6. 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.

7. 72 hour waiting period

We do not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.

8. Earthquake excess

An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.