Looking to insure your home or contents? Home & Contents Insurance through Allianz can cover home owners and renters against fire, flood (optional, if available) and other unexpected events.

Vital
Home Insurance

Provides protection in the event that your home is broken into or damaged by insured events such as storm, fire or earthquake.

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Vital
Home Insurance
Classic
Home Insurance

Includes everything from the vital product plus some higher policy limits and some additional features and benefits such as cover for fusion of household electric motors.

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Classic
Home Insurance
Prestige
Home Insurance

Covers you for any accidental loss of damage to your buildings and/or contents (unless stated otherwise in the policy).  Other benefits include legal defence costs, cover for contents in transit and double the legal liability of the Vital product.

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Prestige
Home Insurance

Why Choose Home & Contents Insurance?

 

Home building and contents insurance through Allianz includes a range of features and benefits whether you’re looking for cover for insured events or more comprehensive cover:

  • Combine your buildings and contents on the one policy to receive up to 10% discount1,2
  • Up to 30% No Claim Bonus2,3
  • Pay by the month at no extra cost4
  • Dedicated claims lodgement support 24/7
Coverage Snapshot5

Vital

Classic

Prestige

Events covered
Insured Events
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
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
Insured Events
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
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
Any accidental loss or damage unless specifically excluded
Automatic indexation of sum insured
Yes Yes Yes
Compensation for death
Up to $10,000 Up to $10,000 Up to $10,000
Compensation for fracture
- Yes Yes
Contents in the open air at your risk address
Yes Yes Yes
Contents in safe deposit box - Accidental loss or damage, excluding theft
$250 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents $500 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents $1,000 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents
Yes Yes Yes
Environmental benefits
Up to $5,000 Up to $5,000 Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000 Up to $5,000 Up to $5,000
Landscaping
- Up to $2,000 Up to $5,000
Tax audit
- Up to $5,000 Up to $5,000
Legal defence costs
- - Yes
Transit to your new place of residence
- - Yes
Fusion of electric motors
- Motors up to 10 years old Motors up to 12 years old
Accidental damage
- - Yes
Mortgage discharge costs
Yes Yes Yes
Legal liability cover
Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications of buildings for paraplegia & quadriplegia
Up to $10,000 Up to $10,000 Up to $10,000
Replacement of locks and cylinders
Up to $1,000 Up to $1,000 Up to $2,000
Security firm attendance
Up to $500 Up to $500 Up to $500
Spoilage of refrigerated/freezer food
- Up to $500 Up to contents sum insured
Temporary removal of contents from your risk address
Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ
Title deeds
Up to $2,000 Up to $2,000 Up to $2,000
Vet costs
Up to $500 Up to $500 Up to $500
Compare

Vital

Events covered
Insured Events
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
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
Yes
Compensation for death
Up to $10,000
Compensation for fracture
-
Contents in the open air at your risk address
Yes
Contents in safe deposit box - Accidental loss or damage, excluding theft
$250 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $2,500
Emergency storage of contents
Yes
Environmental benefits
Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000
Landscaping
-
Tax audit
-
Legal defence costs
-
Transit to your new place of residence
-
Fusion of electric motors
-
Accidental damage
-
Mortgage discharge costs
Yes
Legal liability cover
Up to $10,000,000
Modifications of buildings for paraplegia & quadriplegia
Up to $10,000
Replacement of locks and cylinders
Up to $1,000
Security firm attendance
Up to $500
Spoilage of refrigerated/freezer food
-
Temporary removal of contents from your risk address
Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing
Title deeds
Up to $2,000
Vet costs
Up to $500

Classic

Events covered
Insured Events
Accidental breakage (of glass)
Earthquake and tsunami
Explosion
Fire or smoke
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
Yes
Compensation for death
Up to $10,000
Compensation for fracture
Yes
Contents in the open air at your risk address
Yes
Contents in safe deposit box - Accidental loss or damage, excluding theft
$500 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $5,000
Emergency storage of contents
Yes
Environmental benefits
Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000
Landscaping
Up to $2,000
Tax audit
Up to $5,000
Legal defence costs
-
Transit to your new place of residence
-
Fusion of electric motors
Motors up to 10 years old
Accidental damage
-
Mortgage discharge costs
Yes
Legal liability cover
Up to $20,000,000
Modifications of buildings for paraplegia & quadriplegia
Up to $10,000
Replacement of locks and cylinders
Up to $1,000
Security firm attendance
Up to $500
Spoilage of refrigerated/freezer food
Up to $500
Temporary removal of contents from your risk address
Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing
Title deeds
Up to $2,000
Vet costs
Up to $500

Prestige

Events covered
Any accidental loss or damage unless specifically excluded
Automatic indexation of sum insured
Yes
Compensation for death
Up to $10,000
Compensation for fracture
Yes
Contents in the open air at your risk address
Yes
Contents in safe deposit box - Accidental loss or damage, excluding theft
$1,000 in total for money, cheques and other negotiable instruments and up to 20% of contents sum insured for all other contents
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $5,000
Emergency storage of contents
Yes
Environmental benefits
Up to $5,000
Guests', visitors' and domestic helpers' property
Up to $5,000
Landscaping
Up to $5,000
Tax audit
Up to $5,000
Legal defence costs
Yes
Transit to your new place of residence
Yes
Fusion of electric motors
Motors up to 12 years old
Accidental damage
Yes
Mortgage discharge costs
Yes
Legal liability cover
Up to $20,000,000
Modifications of buildings for paraplegia & quadriplegia
Up to $10,000
Replacement of locks and cylinders
Up to $2,000
Security firm attendance
Up to $500
Spoilage of refrigerated/freezer food
Up to contents sum insured
Temporary removal of contents from your risk address
Up to 20% of sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ
Title deeds
Up to $2,000
Vet costs
Up to $500
  • How to Claim

    Call Us

    • Call the Allianz claims lodgement hotline any time on 1300 555 030

     

    Claim Online

    • Simply complete an online claim form and submit at any time.
    • It’ll take about 10 minutes to complete the online claim form and once received, you’ll typically hear back from Allianz within two business days.

     

    Claim Now
  • The Little Details

    Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. If you purchase this insurance, Southern Cross Credit Union 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. Details of the commission are set out in our Financial Services Guide. We do not provide advice on this insurance based on any consideration of your objectives, financial position or need. Policy terms, conditions, limits, exclusion and underwriting criteria apply.

    Flood – Flood cover is available for all eligible property addresses. Flood cover is an option on both Building and Contents in home and landlords insurance policies. The cover is designed to protect customers against damage to their buildings and/or contents in the event of a Flood up to the value of the sum insured. Flood cover is subject to eligibility.

    1 10% combine building and contents – A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Fusion and Accidental damage where you have selected these covers, but not Flood or Personal effects cover.

    Minimum premium – If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means the effect of applying any 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.
    No discounts are applied to optional cover; Domestic Workers Compensation (if available and selected).Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. Minimum premiums may apply.

    3 NCB Discount – HOME – When you take out a new policy, we calculate your No Claims Bonus based on you home 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 five years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.

    After each claim-free year, the No Claim Bonus discount applied to your renewal premium will be increased by 10%, to a maximum of 30%. However, for every claim you make in a year, the No Claim Bonus discount applied to your renewal premium will be reduced by 10% – to a minimum of 0%. The No Claim Bonus discount is applied to some optional covers if selected; Fusion and Accidental damage, but not Flood or Personal effects cover

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

    5 This information about the insurance cover is a summary only. You should consider whether this insurance product is suitable for your circumstance and consider the relevant Product Disclosure Statement (PDS) and Key Fact Sheets (KFS).

     

You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non-bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago.
Robyn
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