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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.

 

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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
24/7 emergency claims lodgement
Pay by the month at no extra cost3
No Claim Bonus Discount – Up to 30%4
Get a Quote
Retrieve a Quote
Make a Claim

To discuss any of the products featured or obtain a quote, you can also
talk to a Genereal 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.

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. 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 and/or Contents Insurance before 16 November 2020, please refer to the relevant Vital, Classic, and Prestige, 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. These provide estimates only and cannot be relied upon when making a claim.

Home Buildings Replacement Calculator
Home Contents Replacement Calculator


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

Product Disclosure Statement
Key Fact Sheets - Building
Key Fact Sheets - Contents
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?

Visit our FAQs
Get a Quote
Retrieve a Quote
Make a Claim

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

Frequently Asked Questions

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report 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.

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 immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law. When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • decide not to offer to renew your policy.

You should tell Allianz immediately 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, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law. When Allianz receive this information, we may:

  • propose changes to the terms and conditions of your policy
  • charge you a higher premium
  • cancel your policy
  • 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 your home out to tenants, cover is not available under our Home and Contents Insurance unless you also live at the insured address. We offer a product that has been specifically designed for landlords that you can consider instead.

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 Australian Unity Home & Contents Insurance immediately 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, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

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
  • 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 we agree that 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 immediately 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, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law. 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
  • 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. These provide estimates only and cannot be relied upon when making a claim.

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 here.

Disclaimer

    * This offer is only available to customers who purchase a new Australian Unity Home & Contents or Landlord insurance policy online by February 28th, 2021. The customer will receive one $200 Visa Gift Card for the eligible Home & Contents or Landlord Insurance purchased. Gift cards are issued by Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984 pursuant to a license from Visa Worldwide Pte Limited. Heritage Bank deals with any funds loaded onto the card in accordance with its arrangements with Corporate Prepaid Cards Pty Ltd ABN 25 092 828 772 AFSL 509642. All gift cards will be delivered by post. Australian Unity will not be held responsible for any damaged, undelivered, lost or stolen Gift Cards and no replacement will be provided. Allow 4 weeks after the start date of the new policy for delivery of the Gift Card. Visa Gift Cards are subject to the terms and conditions that appear on the Gift Card letter or at www.universalgiftcard.com.au. This offer can be altered, extended or withdrawn at any time by Australian Unity without notice

  1. When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including for the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
  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. If you choose to pay your premium by installments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by installments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to installment payments
  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 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.