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Home Building and Contents insurance

Mortgage Choice Home Building and Contents insurance includes a range of features and benefits to give you peace of mind should the unexpected happen.


Why choose us for your home insurance?

1
Simple

Get a quote and buy online today!

2
Affordable

Competitive prices with no additional policy fee to pay by the month 1.

3
Choice

A range of buildings and contents insurance products to suit different budgets and needs.

4
An easy claim process

We understand that if you need to make a claim, you want to be able to settle it quickly and with a minimum of fuss.

5
Combined building and contents discount

When you combine your building and contents cover on the same policy, you’ll be rewarded with a discount of up to 10% 2.

6
Increase your excess to reduce your premium

Our home insurance allows you to increase the excess payable in the event of a claim and we’ll reduce your premium.

7
Up to 30%3 No Claim Bonus

We offer up to 30% 3 No Claim Bonus on our home insurance policies, meaning you can save on your premium each year you don't make a claim, up to a maximum 30% 3.

Get a quote & buy online today

Retrieve an existing quote

Protect your most valuable asset

Don't leave your things to chance

Home and building insurance protects your home and belongings against a whole range of threats – from theft through burglary to fire.

Contents count too

Your possessions – everything from furniture through to whitegoods and electrical items are probably worth more than you realise, especially if you had to replace them.

Know what you’re covered for

It may be tempting to choose building and contents cover based on the premium alone. But the last thing you need is to discover that you are underinsured at claim time.

Peace of mind

That's why building and contents insurance is such an essential product for home owners. It protects the value of your home against the unexpected and gives you and your family peace of mind.

Affordable Premiums

The good news is that adding contents cover to your home building insurance is an affordable way to enjoy all-round protection.

Make renewal time review time

If you upgrade your home with renovations or improvements, you can usually increase your cover for only a slight rise in premiums.

Home Building and Contents features

Compare the features of our Home Building and Contents covers to see which level of cover suits you.

 

We give benefits for: Prestige Home Classic Home Vital Home
Cover for accidental loss of or damage to your vehicle caused by fire or theft
Accidental loss or damage
Accidental glass breakage
Additional cost of temporary accommodation Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs' Up to 10% of contents sum insured combined with 'Removal of debris, professional fees, and extra costs'
Automatic indexation of sum insured
Compensation for death Up to $10,000 Up to $10,000 Up to $10,000
Contents in open air at the risk address Sub-limits for selected contents based on insured loss or damage Sub-limits for selected contents based on insured events loss or damage Sub-limits for selected contents based on insured events loss or damage
Contents in safe deposit box Up to 20% of contents sum insured Up to 20% of contents sum insured Up to 20% of contents sum insured
Credit cards - cover for loss or theft Up to $5,000 Up to $5,000 Up to $5,000
Fusion of electric motors Motors up to 12 years old Motors up to 10 years old
Guests', visitors' and domestic helpers' property Up to $5,000 Up to $5,000 Up to $5,000
Landlords' contents Up to 10,000 Up to $10,000
Legal liability Up to $20,000,000 Up to $20,000,000 Up to $10,000,000
Modifications to buildings for paraplegia & quadriplegia Up to $10,000 Up to $10,000 Up to $10,000
Replacement of locks and cylinders Up to $2,000 Up to $1,000 Up to $1,000
Security firm attendance Up to $500 Up to $500 Up to $500
Spoilage of refrigerated / freezer food No specified limit Up to $500
Temporary removal of contents from your risk address Up to 20%/$7,500 of contents sum insured with sub-limits for selected contents Up to 20% of contents sum insured with sub-limits for selected contents Up to 20% of contents sum insured with sub-limits for selected contents
Title deeds Up to $2,000 Up to $2,000 Up to $2,000
Veterinary costs Up to $500 Up to $500 Up to $500


Please note that the table above is current as at April 2013. Allianz will provide you with updated tables should there be any changes in the product features and benefits.

General disclaimer: Mortgage Choice Limited (Mortgage Choice) ABN 57 009 161 979 AR 382869 arranges Motor Vehicle, Home Building and Contents and Landlord insurance as agent of the insurer, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. Mortgage Choice can refer you to Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 for life insurance. We do not provide advice on this insurance based on any consideration of your financial situation, objectives or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision please consider the Product Disclosure Statement (PDS) available at www.mortgagechoice.com.au, by visiting a Mortgage Choice branch or calling 1300 736 085. Mortgage Choice receives commission, which is a percentage of the premium; details can be provided on request. Mortgage Choice 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).

Minimum premiums may 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 applied discounts/entitlements.

Terms and conditions apply; please see the Product Disclosure statement for more information.

1Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction.

2Minimum premiums may 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 applied discounts/entitlements.

3To qualify for the maximum No Claim Bonus of 30%, customers must have had no home  insurance claims in the preceding five years. However customers who have had up to two claims may still qualify for reduced No Claim Bonus. No claim bonus doesn’t apply to the optional covers.

The Financial Services Guide – Mortgage Choice Insurances can be viewed here. This information has been prepared without taking into account your individual objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply.

You should, before acting on this information, consider its appropriateness to your circumstances. You can download the Product Disclosure Statement (PDS) for each of the insurances by clicking on the relevant link or call 1300 736 085. The PDS should be considered in making any decision about this product.

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