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Home & Contents
Insurance

Up to 10% discount on your first year’s premium when you buy a new policy online1,2

You’ve worked hard for your home, so you may want to consider getting insurance cover in case something goes wrong. That’s where Home and Contents Insurance through Australian Unity may be able to help.

Up to 10% discount on your first year’s premium if you buy a new policy online 1,2
Up to 30% no claim bonus1,3
Cover for fraudulent use of lost or stolen credit cards with contents cover (up to a set limit)
New for old replacement, where Allianz agrees to replace your items (contents cover only)
Home insurance through Australian Unity includes a range of features and benefits designed to suit customers with different needs. Whether you are looking for cover for specified insured events, or more comprehensive accidental loss or damage cover, we may be able to help.

Vital Home Insurance

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

Classic Home Insurance

Vital Home Insurance benefits plus higher policy limits and additional features such as cover for fusion of household electric motors (motor burnout).
View PDS

Prestige Home Insurance

This product provides cover for accidental loss or damage to your buildings and/or contents (unless stated otherwise in the policy). Plus more.
View PDS

Buildings and Contents covers

Covers loss or damage due to: Vital Home Insurance Classic Home Insurance Prestige Home Insurance
 
  • 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)



Other Features and Benefits

Covers loss or damage due to: Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Legal liability cover
+ Covers your legal liability for payment of compensation in respect of:
  • death, bodily injury or illness, and/or
  • physical loss of or damage to property,
caused by an accident or series of accidents attributable to one originating cause.

Up to $10,000,000

Up to $20,000,000

Up to $20,000,000

Fusion (burnout of electric motors)
+ If the electrical current damages a household electrical motor (including sealed or semi-sealed refrigeration units) we will either pay the reasonable cost to rewind the motor or replace the motor.

Motors up to 10 years old

Motors up to 12 years old

Credit cards - cover for fraudulent use or lost or stolen cards (contents cover only)

+ Provides cover up to the specified limit if your credit card or other automatic teller machine card is lost or stolen and you are legally liable to pay for credit given to anyone who has found or stolen your card

Up to $2,500

Up to $5,000

Up to $5,000

Guests', visitors' and domestic helpers' property (contents cover only)

+ Covers property belonging to your guests, visitors or domestic helpers if it is lost or damaged by an insured event whilst in your home, provided we would have paid the claim if the property had belonged to you.

Up to $5,000

Up to $5,000

Up to $5,000

Spoilage of refrigerated / freezer food (contents cover only)

+ Covers spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:
  1. breakdown or failure of the unit or any of its components;
  2. escape of the refrigerant or fumes; or
  3. accidental failure of the public electricity supply to the buildings.

Up to $500

Up to $500

Compensation for fracture

+ Covers listed fractures in Australia caused solely and directly by violent, accidental, external and visible means.

Up to $1,000 for all fractures arising from the same accident. Max $3,000 per period of insurance for all fractures suffered by everybody insured.

Up to $1,000 for all fractures arising from the same accident. Max $3,000 per period of insurance for all fractures suffered by everybody insured.

Temporary removal of contents from your risk address (contents cover only)

+ Covers your contents for loss or damage by an insured event when they are temporarily removed from your risk address to another location within Australia or New Zealand for a maximum period of up to 90 days.

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.

Landscaping (buildings cover only)

+

Includes the replacement of fixed trees, plants and shrubs that have been lost or damaged by an insured event excluding storm, rainwater or run-off.

In this context, ‘fixed’ means planted in the ground.

Up to $2,000

Up to $5,000

Tax audit (contents cover only)

+

Payable only if you live at the risk address.

Covers accountants fees that you reasonably incur with our consent as a result of your personal taxation affairs being audited by the Australian Taxation Office.

Up to $5,000

Up to $5,000

Legal defence costs (contents cover only)

+

Payable only if you live at the risk address.

Covers legal fees, costs and expenses that you reasonably incur with our consent in defending legal proceedings brought against you by a third party in Australia during the period of insurance.

Up to $5,000

Transit to your new place of residence (contents cover only)

+ Covers loss or damage to your contents caused by:
  1. fire, collision and/or overturning of the conveying vehicle; or
  2. theft from the conveying vehicle;
while they are in transit by land within the same State or Territory as your current risk address or within 100km of your current risk address:
  • to your new intended risk address; or
  • to or from a furniture storage facility,
whichever is the greater distance.

Veterinary costs (contents cover only)

+

Payable only if you live at the risk address.

Covers veterinary expenses related to the treatment of any cat or dog that is owned by you if it is injured in a road accident.

Up to $500

Up to $500

Up to $500

Replacement of locks or cylinders

+ Covers the replacement of the lock(s) or cylinder(s) if the key for the lock of any external door or window is stolen or there are reasonable grounds to believe that the key(s) have been duplicated.

Up to $1,000

Up to $1,000

Up to $2,000

Security firm attendance (contents cover only)

+ Covers fees or charges incurred for a security firm to attend the risk address in response to a monitored alarm signal if we have agreed to pay a claim for burglary, housebreaking or theft.

Up to $500

Up to $500

Up to $500

Contents in the open air at the risk address
(Contents cover only. Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)

+ Covers contents at your risk address which are located:
  • in the open air, or
  • under an open sided structure or carport, or
  • on a patio or verandah, or
  • in or on a motor vehicle, caravan, trailer or watercraft,
  • in a tent, or
  • in an unlocked garage, shed or storage room.

Emergency storage of contents (contents cover only)

+ Covers the reasonable costs to move and store your contents for up to 12 months if the buildings you live in at the risk address are rendered unlivable by an insured event.

Automatic indexation of sums insured

+ If you make a claim during the period of insurance, the sums insured for your buildings and/or contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.

Compensation for death – $10,000

+ We will pay $10,000 to your estate if during the period of insurance you suffer fatal injury at your risk address as a result of visible bodily injury caused by burglars or housebreakers or by fire and your death occurs within 90 days of the injury.

Contents in a safe deposit box at a bank (contents cover only, excludes cover for theft)

+ Cover for your contents when they are kept in a safe deposit box at a bank for loss or damage due to an insured event.

Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents

Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents

Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents

Sub-limits apply for selected contents

Environmental benefits when rebuilding after a total loss – up to $5,000 (buildings cover only)

+ If your building is totally destroyed by an insured event and we agree to rebuild it, we will pay up to $5,000 of the cost to you to install any combination of the following:
  • rainwater tank;
  • solar power systems, including solar hot water systems or photo-voltaic (PV) power systems;
  • hot water heat exchange system; and
  • grey water recycling system.

Mortgage discharge costs - up to $5,000 (buildings cover only)

+ If your buildings are totally destroyed by an insured event and we agree to pay your claim, we will also reimburse your reasonable legal costs for the discharge and replacement of your mortgage(s) including legal fees and statutory government charges.

Modifications to buildings for paraplegia or quadriplegia – up to $10,000 (buildings cover only)

+

Payable if your buildings are your principal place of residence.

Covers the cost of modifying your buildings if your permanent paraplegia or quadriplegia is a direct result of loss or damage to your buildings by an insured event.

Title deeds - up to $2,000 (contents cover only)

+ Covers the cost of preparing new title deeds for your risk address if your title deeds are lost or damaged by an insured event while they are at your risk address or are held in a secure envelope or a safe deposit box at a bank.



Optional extras

An additional premium applies Vital Home Insurance Classic Home Insurance Prestige Home Insurance

Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:

- anywhere in Australia; and
- for up to 35 days overseas

Available only in conjunction with contents cover.

Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:

  1. travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
  2. clothing;
  3. jewellery, watches or items containing silver or gold;
  4. cosmetics and toiletries;
  5. clocks;
  6. sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
    1. in the case of Vital Home Insurance: watercraft or camping equipment;, and
    2. in the case of Classic Home Insurance or Prestige Home Insurance: water craft, camping equipment or motor or trail bikes);
  7. musical instruments;
  8. photographic or video equipment;
  9. binoculars or telescopes;
  10. writing instruments;
  11. spectacles and sunglasses;
  12. personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment; and
  13. pocket calculators and personal organisers (but not portable or handheld computers).

Some exclusions:

  • Mobile phones (Vital and Classic cover)
  • No cover is provided for any item used for business, trade or professional purposes.
  • Any item not specifically listed above.
  • We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.

Specified Personal Effects cover - accidental loss or damage cover for specified personal effects:

• anywhere in Australia; and

• for up to 35 days overseas

Available only in conjunction with contents cover.

Covers those items listed separately in the current schedule to your policy.

Can cover:

  1. portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
  2. portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.
Domestic Workers’ Compensation cover

Only available in the ACT, WA and TAS.

Covers the amount (determined by the relevant workers’ compensation legislation) you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.



This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements (PDS).

To review the Key Facts Sheets available for Home Buildings and/or Contents cover, click here

Getting started

Getting the right cover is important.
That’s why we’ve put all the extra information you need in one, easy to use place.

Get a Quote

Call 1300 130 935

Mon-Fri 8.30am - 5.30pm AEST
To discuss any of the insurance products featured or obtain a quote.

A range of ways to save

  • Choosing a higher excess may reduce your premium1
  • Up to 10% discount on your first year’s premium when you buy a new home insurance policy online 1,2
  • No Claim Bonus Discount – up to 30%1,3

More Information

Financial Services Guide

It’s important you read the relevant Financial Services Guide before acting on any advice or taking out insurance through us.

How to make a claim

Online, any time

A convenient way to lodge an insurance claim is via Allianz’s online claim form. You can submit your insurance claim notification 24 hours a day, 7 days a week.

Once your insurance claim is lodged, a friendly claims consultant will contact you as soon as possible.

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

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

Alternatively, call the claims hotline and a consultant will help you with the claims process.


Claims Hotline:
Call 1300 555 030

Important Information

Australian Unity Bank Limited, ABN 30 087 652 079 AFSL No 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. Therefore, you should consider whether the advice is suitable for you and your personal circumstances. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statements available above

If you purchase this insurance, we will receive a commission that is a percentage of the premium up to 20%. Ask us for more details before we provide you with services. It’s important that you read our Financial Services Guide before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank Limited FSG here.

  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. To qualify for the maximum No Claim Bonus discount 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 discount.