Home insurance

Up to 30% No Claims Bonus^2,4

Plus, up to 10% discount on the 1st year’s premium^1,2 when you buy Home & Contents Insurance online

Get a quote Retrieve quote

Why choose home insurance through Australian Unity?

Buy online discount

Up to 10% off your first year's premium when you buy a new building or contents policy online^1,2.

No claims bonus

Get up to 30% No Claims Bonus^2,4 We reward customers with a 5 year no claim history.

Flexible excess

You may be able to lower premiums by increasing excess⁵.

Pay monthly

Pay by the month at no extra cost³.

Storm damage cover6

Cover for Loss or Damage from Storms⁶ and many other insured events.

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after you purchase your policy.

Award-winning

Award-winning insurance with great service⁷.

Claims made easy

Submit your claim online 24/7. Support finding a repairer. Updates along the way.

Get a quick home insurance quote

Get a quick quote Call 1300 130 935

Cover options

Australian Unity Home Insurance includes a range of features and benefits designed to suit customers with different needs.
Whether you are looking for cover of specified insured events and/or more comprehensive accidental loss or damage cover, we are there to help.

Home & Contents Insurance

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

Key benefits:

Rebuilding costs - repair or replace the physical structures up to the your nominated buildings sum insured value.
Replacing contents – protection for the belongings within your house up to your nominated contents sum insured value.
Alternative accommodation for you and your pets – If your building is damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, the additional costs for temporary accommodation will be paid for you, up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Legal liability – Cover for 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).
Contents kept outside – up to $2000 protection of items such as BBQ, outdoor furniture & children’s play equipment.

Optional cover you can add on

Portable contents
Flood cover⁶
Accidental damage
Motor burnout
Domestic workers’ compensation cover (Only available in ACT, WA and TAS.)

Get a quote
View PDS

Building Insurance

Cover for the physical structures that make up your property, like the house itself, garage, sheds, permanently installed swimming pools and decks as well as fixed appliances.

Key benefits:

Rebuilding costs - repair or replace the physical structures up to your nominated buildings sum insured value.
Replacing contents – protection for the belongings within your house up to your nominated contents sum insured value.
Alternative accommodation for you and your pets – If your building is damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, the additional costs for temporary accommodation will be paid for you, up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Legal liability – Cover for 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).
Contents kept outside – up to $2000 protection of items such as BBQ, outdoor furniture & children’s play equipment.

Optional cover you can add on

Portable contents
Flood cover⁶
Accidental damage
Motor burnout
Domestic workers’ compensation cover (Only available in ACT, WA and TAS.)

Get a quote
View PDS

Contents Insurance

Designed to cover items at your property – including furniture, removable domestic appliances, white goods and even clothes. It also covers your carpets and window furnishings.

Key benefits:

Rebuilding costs - repair or replace the physical structures up to the your nominated buildings sum insured value.
Replacing contents – protection for the belongings within your house up to your nominated contents sum insured value.
Alternative accommodation for you and your pets – If your building is damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, the additional costs for temporary accommodation will be paid for you, up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
Legal liability – Cover for 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).
Contents kept outside – up to $2000 protection of items such as BBQ, outdoor furniture & children’s play equipment.

Optional cover you can add on

Portable contents
Flood cover⁶
Accidental damage
Motor burnout
Domestic workers’ compensation cover (Only available in ACT, WA and TAS.)

Get a quote
View PDS

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings key fact sheet or Home Contents key fact sheet.

Landlord Insurance

Need insurance for your investment property? Access many of the same benefits as home insurance, such as:

Up to 30% No Claims Bonus^2,4
Save up to 10% on your first year’s premium when you buy a new landlord policy online^1,2
Pay by the month at no extra cost³

Whether you’re looking for landlord building or landlord contents insurance or both we can help.

Quick online quote Find out more

A few awards we're proud of

Why choose Australian Unity?

180 years

We've been supporting the wellbeing of Australians since 1840.

Member-owned

We invest in the products and services that matter most to our members, customers and the community.

Wellbeing experts

We've been measuring the wellbeing of Australians for 20 years.

Calculators

The below calculators work as guides to help you estimate the replacement value of your home building and/or contents.

Home building replacement calculator

Avoid underinsurance & calculate the cost to replace your house.

Calculate

Home contents replacement calculator

Get the right cover & calculate the cost to replace the contents in your home.

Calculate

Insured events

Home Buildings & Contents Insurance through Australian Unity covers the cost of rebuilding or replacing your Building and/or Contents if you have experienced loss or damage caused by the following insured events. For a full list of events covered, see the relevant PDS.

Fire or smoke (including bushfires and grassfires⁶)
Theft or burglary
Storm & Cyclone⁶, rainwater or run off, but not flood unless you have the optional flood cover.
Lightning
Water damage or other liquid damage
Impact Damage
Earthquake or tsunami
Accidental breakage of glass or ceramic items
Vandalism or malicious damage
Explosion
Riots or civil commotion

Getting started

Getting a quote is quick & easy but before you start it helps to know the level of cover that suits your needs & budget, as well as your home details, such as what your roof and exterior walls are made of or how much your content is worth.

Online

Fast & simple online quote
Get a quote whenever - Available 24/7
Save up to 10% on your first year’s premium if you buy a new home policy online^1,2
Apply online in 3 simple steps

Over the phone

Get a quote in minutes
Be guided by our friendly and knowledgeable home insurance specialists
Available Mon-Fri 8.30am - 5.30pm AEST

Quick online quote Call 1300 130 935

Hear from our customers

"The agent I spoke to was very helpful in adjusting my policy to suit my needs. The cost of the policy was extremely competitive. My previous insurer couldn’t get anywhere near your price."

Anthony

"Personalised and friendly service. A patient, cheerful, knowledgeable and friendly consultant who answered my questions and assisted me to purchase the product most suited for my needs."

Heather

"I was always updated on my claim and at what stage I was at. The repair was done quickly and I'm extremely happy with the standard of work."

Steven

How to make a claim

Our friendly claims team will help you find a repairer, and keep you informed along the way.

Frequently Asked Questions

Home insurance helps protect you from damages to your home and/or your belongings by covering the repair or replacement of your house and other physical structures like your fence as well as the contents within your home, from furniture to clothes. There are a few main types of home insurance:

Building Insurance – This covers the physical structure and the fixtures.
Contents Insurance – Which covers your belonging inside your house.
Home & Contents Insurance – Cover for both the building and it’s contents.

Whether you’re a homeowner or renter having some form of insurance gives you peace of mind knowing you’re covered financially if something goes wrong. This means you can afford to repair or replace the things that are important to you such as your home, and/or your precious contents. Financial security like this has a positive impact on your overall wellbeing so you can see why it is important to many people.

Flood cover is an option on both Building and Contents in Home and Landlords policies, 72-hour exclusion period applies. Please call us on 1300 130 935 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 Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.

Do what you reasonably can to prevent any further loss, damage or liability. Tell the police as soon as reasonably possible about 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. In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first

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 as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t provide the information as soon as reasonably possible, Allianz may reduce or refuse a claim in whole or in part under the policy to the extent we are prejudiced by the delay or non-disclosure.

When Allianz receive this information, Allianz may:

propose changes to the terms and conditions of your policy
charge you a higher premium
cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk
decide not to offer to renew your policy.

You should tell Allianz as soon as reasonably possible 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 provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

propose changes to the terms and conditions of your policy
charge you a higher premium
cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk
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.

This optional cover provides even more protection – it covers you in the event of damage caused by accidental unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Buildings cover only and select this option, examples of the sort of mishaps you’ll be covered for include when:

You accidentally smash a hole in the wall when you move some furniture.
Your kids draw all over your walls.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge. Australian Unity Home & Contents Insurance will extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

If you’re renting all of your home out to tenants, cover is not available under a Home and Contents Insurance policy. Cover is not available for these types of losses under our Home and Contents Insurance. If you rent out part of your home while you live at the same address, please contact us so we can determine if you are eligible for this product.

The option to include portable contents cover under your policy may only be applied for if you have Contents cover or both Buildings and Contents cover .

Your policy schedule will show which of the optional covers apply.

You must tell Allianz as soon as reasonably possible 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 provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

When Allianz receive this information, Allianz may:

propose changes to the terms and conditions of your policy
charge you a higher premium
cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions; or we are no longer prepared to insure you because there has been a material change to the risk
decide not to offer to renew your 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 Australian Unity on 1300 130 935. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Remember, Australian Unity Home & Contents Insurance 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.

We’ll 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 items of contents are in transit (unless you have Accidental damage cover).

Australian Unity Home and Contents Insurance will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the 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. We will not cover cracked glass or screens where this is the only damage to the item.

You must tell us as soon as reasonably possible 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 provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure

When we receive this information, we may:

propose changes to the terms and conditions of your policy
charge you a higher premium
cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions
decide not to offer to renew your policy.

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.

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.

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

Tips and useful information on home insurance

Securing your home

Whether you rent or own your home, you want the best possible cover for the things that make it home.

Stay safe at home with these smart tips

Feel safer in your home by implementing these smart practical tips to help keep burglars away.

Home & contents health cover check

Tips to help protect you and your home and contents against theft.

Get in touch

Email us

Have a question? Send us an email.

Email us

Call on 1300 130 935

Prefer to chat? Call us on the above number

Call us

About us

We’re Australia’s first member-owned wellbeing company.

Learn more

Australian Unity Bank Limited ABN 30 087 652 079 AFSL 237994 is authorised to refer you online to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to arrange this insurance over the phone and provide you with general advice on this insurance as agent for Allianz. 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 Product Disclosure Statement available from here.

If you purchase this insurance, we receive commission as a percentage of the premium paid for each policy up to 20%. Ask us for more details before we provide you with services. You can download the Australian Unity Bank Limited FSG here. The relevant Target Market Determination is available by calling 1300 130 935.

Disclaimers

Online discount
[Home] When you buy a new home insurance policy online a discount of up to 10% is applied to your first years premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal. [Landlord] When you buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first years premium including the optional covers (If selected) Flood & Rent Default and Theft by Tenant. This discount is not applied on renewal.
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.
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
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 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5years. 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.
Option to change your excess. Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
72 hour exclusion period - We do not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy.
Allianz Australian Awards: Allianz Claims Team won General Insurer Claims Team of The Year at the 2021 Insurance Business Awards Australia. Winner of the Large General Insurance Company of the Year in 2018, 2017, 2016, 2014, 2013, 2012, 2011. General Insurance Company of the Year for 2018, 2017 & 2014 at the RFi Group Australian Insurance Awards. 2019 Insurance Business Australian General Insurer of the Year for the strength of its products, focus on customer service innovation and overall support to the insurance intermediary channel. Gold for Overall Excellence in Claims 2019 and 2018, Silver for SME Property and Casualty 2019 and 2018; and Personal Lines for 2019 and 2017 at the Mansfield Awards

Home insurance

Up to 30% No Claims Bonus2,4 Plus, up to 10% discount on the 1st year’s premium1,2 when you buy Home & Contents Insurance online Get a quote Retrieve quote

Why choose home insurance through Australian Unity?

Buy online discount

No claims bonus

Flexible excess

Pay monthly

Storm damage cover6

Instant Certificate of Currency

Award-winning

Claims made easy

Get a quick home insurance quote

Cover options

Australian Unity Home Insurance includes a range of features and benefits designed to suit customers with different needs. Whether you are looking for cover of specified insured events and/or more comprehensive accidental loss or damage cover, we are there to help.

Home & Contents Insurance

Building Insurance

Contents Insurance

Landlord Insurance

A few awards we're proud of

Why choose Australian Unity?

180 years

Member-owned

Wellbeing experts

Calculators

The below calculators work as guides to help you estimate the replacement value of your home building and/or contents.

Home building replacement calculator

Home contents replacement calculator

Insured events

Getting started

Online

Over the phone

Hear from our customers

How to make a claim

Online

Over the phone

Frequently Asked Questions

Tips and useful information on home insurance

Securing your home

Stay safe at home with these smart tips

Home & contents health cover check

Get in touch

Email us

Call on 1300 130 935

About us

Up to 30% No Claims Bonus^2,4

Plus, up to 10% discount on the 1st year’s premium^1,2 when you buy Home & Contents Insurance online

Get a quote Retrieve quote

Australian Unity Home Insurance includes a range of features and benefits designed to suit customers with different needs.
Whether you are looking for cover of specified insured events and/or more comprehensive accidental loss or damage cover, we are there to help.