Over 200,000** Aussie homes are burgled each year, says the Australian Institute of Criminology, with a break-in more likely when you’re not home. Laptops, phones, video game consoles, cameras, TVs, jewellery and watches are most likely to be stolen because they are valuable, portable and easy to sell. Protecting your home against theft is key but should your best efforts fail, making sure you have the right home insurance is extremely important.
Check your cover
It is important for homeowners and renters not to be complacent.
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Know what you’re covered for - Check your home and contents insurance to make sure you have the right cover, making sure items such as mobile phones and jewellery are listed on the policy to be insured for their full value. Ensure that your insurance is up to date and relevant to your current circumstances. Estimate the replacement value of your building and/contents as a guide.
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If you’re planning on going on holidays, it is a good time to review your current policy coverage matches your lifestyle. If you’re going away for an extended period of time you may need to notify your insurer.
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If you take items outside the house with you on holiday, like your camera or computer make sure they are also covered under Portable Contents to protect them from theft or accidental damage.
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Our home and content insurance specialist can guide you and make sure you’ve got the cover you want, just call them on
1800 113 984
Review your home and contents cover
Make sure you have the right cover
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Here are some tips to help you review your insurance:
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Review your sum insured - Review the sum for which you are insured, checking that it covers the replacement value of what you would like to insure.
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Check that your payments are up to date - Check that your premium payments are up to date to ensure there are no interruptions to your cover.
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Be ready to lodge a claim
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If you end up in a situation where you need to lodge a claim, here are a few things you can do:
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Take photos of your belongings - Keeping photographic evidence of your belongings and any receipts for purchases made will help with your claim.
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Make a list of your inventory - Making a full inventory list isn’t necessary for your claim, but it will generally be helpful.
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How to lodge a claim
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If you end up in a situation where you need to lodge a claim, here are a few things you can do:
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Claim online for faster service - To minimise delays, we advise customers to lodge their claims online at allianzclaims.com.au. Once you place your claim, a Claims Team consultant will contact you as soon as possible.
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Alternatively, you can call us on 1300 555 030 between 8:00am to 6:30pm AEST Monday to Friday, 8:00am to 5:30pm Saturday.
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Keep expensive and small items out of sight
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Try not to have expensive items like technology, jewellery, or cash visible around your home.
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Consider installing a home security system
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As good as your hiding spots may be, you might want to consider installing a home security system. An effective one should feature door and window sensors, glass-break detectors, motion sensors, and for an additional layer of protection, consider video surveillance. Doing so may mean that in the event of a break-in you may be able to help the police with identifying the offender.
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