Protect your home inside and out from loss or damage caused by one or more of 11 insured events.
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Loan Market Home and Contents Insurance

Save up to 10% on your first year’s premium when you purchase a new policy online1,4

Pay by the month at no extra cost6

24/7 emergency claims assistance

See More Benefits and
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Get protection 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:

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.

  • What's Covered
  • Features and Benefits
  • Optional Covers
  • Calculators
  • FAQs

What does Home and Contents Insurance cover?

Buildings > What’s covered?

Buildings insurance is designed to protect the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Contents > What’s covered?

Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.

So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

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 terms, conditions, limits and exclusions that apply please read the Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheets also available for reference.

Select the cover to suit your needs.

Effective 18 November 2019

Home and Contents Insurance
Rebuilding and professional fees If you need to rebuild your home after total loss or damage, Home and Contents Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected Home and Contents Insurance offers protection for out of the ordinary but devastating events such as fire, storm and burglary.
Cover for storm damage Rest easy, within the first 72 hours following a storm, Home and Contents Insurance has 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, Home and Contents Insurance will pay up to $5,000 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, we 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 you and your pets in a commercial boarding establishment.
Replacement locks Home and Contents Insurance 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, Home and Contents Insurance 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 Home and Contents Insurance 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.
24/7 emergency claims assistance When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.
Cover when you’re moving house Home and Contents Insurance 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).
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Optional covers

Add any of these optional covers for an additional premium and greater cover.

Home and Contents Insurance
Optional cover – Accidental damage The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Optional cover - 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.
Optional cover - Motor burnout The Motor burnout option covers you if an electrical current damages your household electrical motors.
Optional cover - Flood cover Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.
Optional 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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Home Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.

Home Building replacement calculator

Value my home

Home Contents replacement calculator

Value my contents

Frequently asked questions

What do I do if I need to make a buildings and/or contents insurance claim?

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 555 030 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheets also available for reference.

I have changed the security on my property - do I need to let you know?

If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.

You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, they may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy

I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, they may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy

It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

I have commenced using my home for business purposes - should I notify my insurer?

You must tell Allianz immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, they may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy

What do I do if I rent my home out to tenants?

If you’re renting your home out to tenants, cover is not available under Allianz Home and Contents Insurance through Loan Market Insurance unless you also live at the insured address. Allianz offer a product that has been specifically designed for landlords that you can consider instead.

How much will I be covered for?

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.

What if I need help choosing the right amount of cover?

To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings link to calculator] and/or Home Contents link to calculator] replacement calculators.

I run a business from home, can I get cover?

You must tell us immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

When Allianz receive this information, they may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy

Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.

Can I cover my bike and other sporting equipment away from home?

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

How do I know if I have optional covers on my policy?

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Loan Market Insurance on 1800 142 020). If you’re not sure whether you have added these cover options, you can check your policy schedule.

Will I be covered if my drone is damaged or stolen within my home?

Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.

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Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheets also available for reference.

If you purchased home insurance before 18 November 2019, please refer to the relevant Classic Home Insurance or Prestige Home Insurance Product Disclosure Statements, any applicable supplementary PDS, and Buildings or Contents Key Fact Sheet.

Disclaimer

#By proceeding with a quote you agree to receive our Financial Services Guide from this website.

Concierge Group Holdings Pty Ltd ABN 95 105 230 046 AFSL/Australian Credit Licence No. 267687 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 available from http://loanmarketinsurance.com.au. 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
A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2. Combined
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.

3. NCB
When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (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 five 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. Excess reduction
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.

Prefer to talk? 1800 142 020
Mon - Fri 8.00am - 5.30pm