What does Allianz home and contents insurance cover and how can I choose the right policy?

Allianz offers optional cover for high-value items like jewelry, art, and collectibles that can be added to their standard home and contents policies.

Their policies automatically include cover for essential documents like passports, driver's licenses, and birth certificates at no extra cost.

Allianz provides emergency accommodation if your home becomes uninhabitable due to an insured event, covering up to 10% of your buildings or contents sum insured.

Their contents insurance policies can cover the cost of replacing locks and keys if your home is burgled, helping to secure your property.

Allianz offers optional cover for accidental damage, protecting you from mishaps like spilling red wine on the carpet or knocking over a valuable vase.

Their policies include "new for old" replacement, meaning damaged or stolen items will be replaced with brand new equivalents, not just the depreciated value.

Allianz customers can choose from a range of excess options, allowing them to lower their premiums by accepting a higher out-of-pocket contribution in the event of a claim.

The insurer provides a unique "Pairs and Sets" clause, which covers the full cost of replacing an entire matching set of items if one part is damaged or stolen.

Allianz home and contents policies automatically include cover for outdoor items like garden furniture, BBQs, and children's play equipment.

Their policies can be tailored to cover the specialized needs of home-based businesses, including equipment, stock, and public liability.

Allianz offers discounts for customers who bundle their home and contents insurance, potentially saving them up to 10% on their premiums.

The insurer's 24/7 claims support and online policy management platform make it easy for customers to report incidents and track the progress of their claims.

Allianz's home and contents policies provide coverage for damage caused by natural disasters, such as bushfires, storms, and floods, subject to the policy terms and conditions.

Their contents insurance covers the cost of replacing food that spoils due to a refrigerator or freezer breakdown, helping to minimize financial losses.

Allianz offers additional living expenses coverage, which can help pay for temporary accommodation and other costs if you're unable to live in your home due to an insured event.

The insurer's home and contents policies include cover for legal liability, protecting you against claims for personal injury or property damage caused by you or your family.

Allianz provides a unique "Contents in Storage" option, which extends coverage to your belongings while they're kept in a professional storage facility.

Their home and contents insurance can be tailored to provide coverage for holiday homes or investment properties, catering to the needs of property investors.

Allianz's policies include cover for the cost of replacing locks and keys if your home is burglarized, helping to secure your property and protect your family.

The insurer's home and contents insurance policies can be easily adjusted to reflect changes in the value of your belongings, ensuring you maintain adequate coverage over time.

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