Home Building and Contents Insurance

Protect the things that you treasure with a reliable insurance policy.

They say home is where the heart is, and there is nothing more important than protecting your family's home and possessions. Our home building and contents insurance has a range of features and benefits to give you peace of mind should the unexpected happen.

Whether you are looking for cover for specified insured events, or more comprehensive accidental loss or damage cover, we may be able to help with:

  • Protection for fraudulent use of lost or stolen credit cards with contents cover
  • New for old replacement, where Allianz agrees to replace your items
  • Up to 10% discount if you buy both buildings and contents covers on the one policy1
  • Protection for your portable items away from home with the optional Personal Effects cover5

Allianz home insurances offer:

  • Up to 30% No Claim Bonus1,4
  • Option to pay by the month at no extra cost3
  • 24/7 claims lodgement service

Your choices

Vital Home Insurance

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

Classic Home Insurance

This product includes everything from Vital Home Insurance plus some higher policy limits and additional features and benefits such as cover for fusion of household electric motors (motor burnout) and up to twice the limit of legal liability compared with Vital Home Insurance.

Prestige Home Insurance

This product provides cover for accidental loss or damage to your buildings and/or contents (unless stated otherwise in the policy).  It also includes some additional benefits such as legal defence costs, cover for contents in transit if you are moving house and offers up to twice the limit of legal liability compared with Vital Home Insurance.

Compare a summary of features

Key Benefits Vital Home Insurance  Classic Home Insurance Prestige Home Insurance
Covers loss or damage due to:

- Accidental breakage (of glass)

- Earthquake and tsunami

- Explosion

- Fire or smoke

- Flood (optional, subject to eligibility)

- 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

Accidental loss or  damage unless specifically excluded (Flood cover is optional, subject to eligibility)
Legal liability cover  Up to $10,000,000 Up to $20,000,000  Up to $20,000,000
Fusion (burnout of electric motors) Not covered Motors up to 10 years old Motors up to 12 years old
Credit cards - cover for fraudulent use or lost or stolen cards Up to $2,500 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
Spoilage of refrigerated / freezer food Not covered Up to $500 Up to contents of sum insured. However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500.
Compensation for fracture  Not covered  Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Temporary removal of contents from your risk address
Up to 20% of contents sum insured with sub-limits for listed contents:

-  while kept inside where you are temporarily residing; or
-  anywhere else in Australia or NZ but excluding theft.
-  Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or

-  Up to $7,500 for contents anywhere else in Australia or NZ.

The above is a summary only. For full details of the terms, conditions, limits and exclusions of all our cover options, please refer to the relevant Product Disclosure Statements for:

It's easy to get a quote.

Get a quote on Allianz Classic Home Insurance online in just a few minutes by selecting the “Get a Quote” button below. Otherwise, call Nexus Mutual on 1300 65 33 28. Before obtaining an insurance quote you should review the relevant Key Facts Sheet.

Get a quote Retrieve a quote


Nexus Mutual, a trading name of EECU Limited ABN 35 087 650 039 AFSL 244356, arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

We do not provide advice on this insurance 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 on this website or by calling 1300 65 33 28 between 9.00am and 5.00pm Monday to Friday. 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 any services on this insurance.

1 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. Discounts may not be applied to the premium charged for optional covers such as flood (where applicable).

2 Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Other discounts may apply to insurance purchased via other methods.

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

4 To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

5 The optional Personal Effects cover is only available in conjunction with contents cover.