Core Coverage: A Shield Against the Unexpected
Allianz offers comprehensive protection for your home and its contents. Here are the key areas covered:
- Fire and Smoke: Protect your home from devastating fires, including bushfires and grassfires.
- Theft and Burglary: Allianz helps recover stolen belongings or compensates for their value.
- Storm and Cyclone: Coverage for damage caused by storms, cyclones, and rainwater runoff. (Flood cover may be available as an optional add-on, depending on eligibility.)
- Accidental Breakage: Accidental breakage of glass and ceramic items, whether they are cherished heirlooms or valuable appliances, is covered.
- Vandalism and Malicious Damage: Protect your property from intentional harm with malicious damage coverage.
- Legal Liability: Allianz can cover legal costs if someone is accidentally injured or their property is damaged on your property.
Details on specific coverage levels of Allianz Home and Contents Insurance
Let’s talk about Allianz Home and Contents Insurance in simple terms. This insurance plan covers both your home and the things inside it. Here’s what you need to know:
Coverage for Your Home Building:
- Legal Liability Cover: Up to $20 million protection in case you accidentally harm someone or damage their property. It helps with compensation costs.
- Alternative Accommodation: If your home is damaged and you can’t live there, Allianz will pay for temporary housing for you and your pets for up to a year.
- Rebuilding Costs: If your home is destroyed, Allianz helps with the costs of rebuilding, including fees for professionals like architects and engineers.
- Moving House Cover: Your belongings are covered when you’re moving, both at your old and new places for up to 14 days.
Coverage for Your Contents:
- Contents Protection: Allianz covers the replacement cost of your belongings without considering wear and tear, up to $100,000.
- Legal Liability Cover: Similar to the home building coverage, you get up to $20 million in protection.
- Alternative Accommodation: If your things are damaged, Allianz will pay for temporary housing for you and your pets.
- Moving House Cover: Your belongings are also covered during the moving process.
You can add extra protection for specific items or situations that matter to you.
Why Choose Allianz Home and Contents Insurance?
- No Claim Bonus: Depending on your history of claims, you might get up to a 30% discount.
- Instant Certificate of Currency: You get your insurance proof immediately after buying the policy.
- 24/7 Claims Service: Allianz is ready to help with claims anytime, online or by phone.
- Award-Winning Insurance: Allianz has won awards, including Insurer of the Year and Excellence in Claims.
Tailoring Your Coverage
Allianz allows you to personalize your insurance with various add-on options:
- All Risks Cover: This extends protection to specified valuable items even outside your home, perfect for jewelry, laptops, or other prized possessions.
- Accidental Damage: Coverage for accidental damage to audio-visual equipment and other specified items.
- Contents Sum Insured: Choose the value you want your belongings insured for, ensuring adequate coverage.
Making an Informed Choice
Understanding your specific needs and risks is crucial when choosing coverage. Consider factors like:
- Location: Are you prone to specific weather events like floods or earthquakes?
- Value of Contents: Do you own valuable items requiring additional protection?
- Budget: Weigh the cost of different coverage options against your financial comfort.
The Final Word: Secure Your Home, Secure Your Peace
Allianz Home and Contents Insurance offers a strong layer of protection, allowing you to enjoy your home without worry.
Remember to carefully assess your needs and explore the available options to create a policy that fits your circumstances perfectly.
With the right coverage, you can focus on creating cherished memories in your home, knowing you’re shielded from unforeseen events.
FAQs on Allianz Home and Contents Insurance: Coverage Details
What does Allianz Home and Contents Insurance cover?
Allianz provides comprehensive coverage for both your home building and its contents. This includes protection against various risks such as fire, theft, storm damage, and more.
Are there any optional covers?
Yes, you can customize your policy with optional covers based on your specific needs.