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Home & Contents Insurance

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

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

Save up to 10% on your first year’s premium when you purchase a new buildings or contents policy online1,2

You may be able to lower premiums by increasing excess6

Pay by the month at no extra cost3
You may qualify for up to 30% No Claim Bonus2,4

To discuss any of the products featured or obtain a quote, you can also
talk to a General Insurance specialist on 1300 130 935, Mon-Fri 8.30am-5.30pm AEST.

Cover options available

Australian Unity Home & Contents 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, we are there to help.

This is a limited summary of the benefits of a home and contents insurance policy. For full details of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.

Buildings & Contents Insurance Buildings Insurance Contents Insurance
Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy. With Australian Unity Building Insurance you can be covered if an unexpected event, such as a fire, theft or storm damages or destroys your most important asset, your home.5 It's your personal belongings that make the house your home - protect them with Australian Unity Contents Insurance.

Australian Unity Home & Contents Insurance does 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 sheet/s also available for reference.

Product Disclosure Statement        Key Fact Sheets - Bulding       Key Fact Sheets - Contents      

Note: If you purchased home insurance before 16 November 2020 or renewed before 9 January 2021, please refer to the relevant Vital, Classic, and Prestige, Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s. If you purchased home insurance between 16 November 2020 - 21 February 2021 or renewed between 9 January 2021 - 4 April 2021, please refer to the relevant Australian Unity Home and Contents Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Calculators

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


How to make a claim

Online, any time

A convenient way to lodge an insurance claim is via 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

Over the phone

Alternatively, call the claims hotline on 1300 555 030 available Monday to Friday, 9am to 5pm AEST and a consultant will help you with the claims process.

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.

Got more questions?

To discuss any of the products featured or obtain a quote, you can also
talk to a General Insurance specialist on 1300 130 935, Mon-Fri 8.30am-5.30pm AEST.

Frequently Asked Questions

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

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.

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.

Important Information

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

  1. 1 Discounts and minimum premiums - When you buy a new home or landlord insurance policy online, a discount of up to 10% is applied to your first year’s premium (including optional covers for home and landlord, if selected). 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, and the effect of the subsequent discount will be reduced. Discounts do not apply to taxes or government charges, or to optional covers for Domestic Workers Compensation/ Landlord Workers Compensation and Motor. Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

  2. 2 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.

  3. 3 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

  4. 4 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 Claims 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.

  5. 5 72 hour exclusion period - We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first take out or increase the cover under the policy. However, you will be covered from the time you take out or increase the cover under your policy for loss or damage to your buildings and/or contents caused by other insured events.

  6. 6 Option to change your excess. Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.