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Building and Contents Insurance

Insure your home inside and out for loss or damage caused by one or more of 11 insured events.

Allianz Building and Contents Insurance

Get cover for your home buildings and your contents by combining buildings and contents covers on the one policy.

 

If you take both Building and Contents insurance, here's how they can work together if the unexpected occurs:

  • Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents cover, you could rebuild and replace your insured belongings.
  • A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
  • A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.
Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.
  • Save up to 10% on your first year's premium when you quote and buy a new policy online1,3
  • Combine your building and contents cover to receive up to 10% discount on your premium2,3
  • Pay by the month at no extra cost4.

Features and Benefits

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.

  • 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 cover for out of the ordinary but devastating events such as fire5, storm5 and 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 will pay the additional costs for temporary accommodation based on your building’s rentable value prior the damage occurred 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
    Allianz will cover you 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).
  • 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).
  • 24/7 claims assistance
    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.

Get a quote for Home and Contents Insurance

To lodge a Home and Contents insurance claim

Online, any time

A convenient way to lodge a Home and Contents insurance claim is via the online claim form. You can commence submitting your Home and Contents insurance claim notification 24 hours a day, 7 days a week.

All you need to do is complete the online claim form. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

Over the phone - 24 hours a day, 7 days a week claims service 

You can call claims on 1300 555 030 and a consultant will help you commence the claims process.

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Terms & Conditions 

HSBC Bank Australia Limited (HSBC) ABN 48 006 434 162. AFSL/Australian Credit Licence Number 232595 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL Number 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 available from https://www.hsbc.com.au/insurance/. The relevant Target Market Determination is available by calling 1300 205 060. 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
    When you both get a quote and buy a new home insurance policy online, you'll get a discount of up to 10% on your first year’s premium. This discount does not apply to domestic workers’ compensation (if available and selected), or when you renew a policy. Minimum premiums apply.
  2. Combined
    You'll get a discount of up to 10% on your premium when you combine Buildings and Contents Insurance 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 Portable Contents (if selected) or domestic workers’ compensation (if available and selected). Minimum premiums may apply.
  3. Minimum premiums
    Where discounts apply, 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.
  4. 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.
  5. 72 hour exclusion 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.