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.

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

1

24/7 claims assistance
2

Save up to 10% Discount on your first year’s premium when you quote and buy a new policy online^1,4
3

Pay by the month at no extra cost⁶

By proceeding to get a quote, you agree to receive the Financial Services Guide (FSG) on this website.

In the event you are dissatisfied with our products or services, we aim to resolve any issues as quickly as possible.

Learn more about our dispute resolution process.

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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 fire⁷and burglary.
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 based on your building’s rentable value prior to the damage, 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. This benefit applies up to a maximum of 12 months.
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.
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 and/or contents 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 claims assistance	When you need to make a claim Allianz are there for you with 24 hour claims assistance 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.
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

Insure your investment property and landlord’s contents for insured events such as theft, fire⁷, storm⁷ 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 online^{1, 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	Insure your investment property and landlord’s contents for insured events such as theft, fire⁷, storm⁷ and malicious damage.
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 for at least 7 days 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	In addition to your contents sum insured, Allianz will pay up to 10% of your contents sum insured for the removal of debris from your home buildings if your contents are damaged or destroyed by an insured event.
24/7 claims assistance	When you need to make a claim Allianz are there for you with 24 hour claims assistance 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	If you have contents cover, 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.

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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Get a Landlord Insurance quote today.

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Disclaimers

Allianz Home and Contents Insurance & Landlord Insurance

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 both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.

[Landlord] When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.

2. Combined Discounts

[Applies to Home & Contents only] A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to any flood component of the premium (where covered) or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.

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 up to 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. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.

[Home] The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).

[Landlord] The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).

4. Minimum premiums

Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.

Most discounts won’t apply below the minimum amount payable for the policy.

5. Option to change your excess

[Home] Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected). Minimum premiums may apply.

[Landlord] Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected) and the Theft by Tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may 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 may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.

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.

Allianz Home Insurance & Landlord Insurance

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

24/7 claims assistance

Save up to 10% Discount on your first year’s premium when you quote and buy a new policy online^1,4

Pay by the month at no extra cost⁶