Home insurance

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

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Why choose home insurance through Australian Unity?

Online discount

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

No claims bonus

Get up to 30% No Claim Bonus depending on your claim history.^2,4

Flexible excess

Option to increase your excess which may reduce your premium.⁵

Pay monthly

Pay by the month at no extra cost³.

Instant Certificate of Currency

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

Claims made easy

24/7 online claims lodgement.

Cover options

Australian Unity Home Insurance includes a range of features and benefits designed to suit customers with different needs.

Home & Contents Insurance

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

Key benefits:

Repair or replace the physical structures up to the your nominated buildings sum insured value.
Replacing contents – cover for the belongings within your house up to your nominated contents sum insured value.
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, the additional costs for temporary accommodation for you will be paid 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.
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 cover of items such as BBQ, outdoor furniture & children’s play equipment.

Apply to add any of these optional covers for an additional premium and greater cover.

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 – cover 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. This benefit applies up to a maximum of 12 months.
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 cover of items such as BBQ, outdoor furniture & children’s play equipment.

Apply to add any of these optional covers for an additional premium and greater cover.

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:

Repair or replace the physical structures up to the your nominated buildings sum insured value.
Replacing contents – cover for the belongings within your house up to your nominated contents sum insured value.
Alternative accommodation for you and your pets – If your 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, the additional costs for temporary accommodation for you will be paid up to 10% of the contents sum insured 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.
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). If you have contents cover only, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
Contents kept outside – up to $2000 cover of items such as BBQ, outdoor furniture & children’s play equipment.

Apply to add any of these optional covers for an additional premium and greater cover.

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 limited summary of cover only. For full details of the terms, conditions, limits and exclusions of our home insurances 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 depending on your claims history^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.

Get a quote Find out more

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

Calculate

Home contents replacement calculator

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 bushfires⁶ 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 and easy but before you start it helps to know your home details, such as what your roof and exterior walls are made of or how much your contents are 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

Get a 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

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

Frequently Asked Questions

Am I covered for Flood?

Flood may be an option on both Building and Contents in Home and Landlords policies, 72-hour exclusion period applies⁶. 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.

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

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 Allianz for approval before you incur expenses you wish to claim. If you do not, Allianz will pay for expenses incurred to the amount we would have authorised had you asked Allianz first

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 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 Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz 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.

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

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 Allianz 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 Allianz can’t reach an agreement with you on altered terms and conditions or premium; or Allianz 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.

What does it mean if I take the Accidental Damage cover option?

This optional cover provides even more cover– 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).

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

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.

I would like cover for my portable contents with my Buildings cover, what are my options?

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.

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

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 Allianz 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 Allianz can’t reach an agreement with you on altered terms and conditions; or Allianz 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.

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 Australian Unity on 1300 130 935. If you’re not sure whether you have added these cover options, you can check your policy schedule.

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, 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.

I am moving, do I need to have two insurance policies to cover me at both locations?

Australian Unity Home & 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 items of contents are in transit (unless you have Accidental damage cover).

What is considered ‘unable to be lived in’?

Australian Unity Home and Contents Insurance considers 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.

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.

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

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 Allianz 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 Allianz can’t reach an agreement with you on altered terms and conditions
decide not to offer to renew your policy.

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.

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.

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 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 right 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

Important information

Australian Unity Bank Limited ABN 30 087 652 079 AFSL 237994 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the product is appropriate for you. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from here. The Target Market Determination is available by calling 1300 520 650. If you purchase this insurance, we receive a commission which is a percentage of your 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 (FSG) before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank Limited FSG here.
Disclaimers

Online discount
[Home] When you quote and 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 quote and buy a new Landlord Insurance policy online, a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected): Flood and Rent Default and Theft by Tenant. This discount isn’t applied on renewal.
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.
Pay by instalments
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 5 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. The No Claim Bonus is applied to some optional covers if selected; Motor Burnout and Accidental Damage, but not Flood or Portable Contents cover, if selected.
Option to change your excess. Not available with respect to any additional compulsory excess, imposed excess applied to the policy or to the Portable contents excess. Any reduction in premium will not be applied to government taxes and charges, or to optional covers (if available and selected): Domestic Workers compensation, Flood or Portable contents. Minimum premiums apply.
72 hour exclusion period - We may 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. Refer to PDS for when exclusion periods apply.

Home insurance

Insure your home inside and out for loss or damage caused by one or more of 11 insured events Get a quote Retrieve quote

Why choose home insurance through Australian Unity?

Online discount

No claims bonus

Flexible excess

Pay monthly

Instant Certificate of Currency

Claims made easy

Cover options

Australian Unity Home Insurance includes a range of features and benefits designed to suit customers with different needs.

Home & Contents Insurance

Building Insurance

Contents Insurance

Landlord Insurance

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

Am I covered for Flood?

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

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

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

What does it mean if I take the Accidental Damage cover option?

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

I would like cover for my portable contents with my Buildings cover, what are my options?

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

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

How much will I be covered for?

I am moving, do I need to have two insurance policies to cover me at both locations?

What is considered ‘unable to be lived in’?

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

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

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

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

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

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

Important information

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

Get a quote Retrieve quote