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Home & Contents Insurance

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What makes your house a home? Protect the things that you treasure with a reliable insurance policy.

Through Allianz, we offer Home and Contents Insurance to give you peace of mind should the unexpected happen.

Why choose us for your home insurance?

  • Simple - Get a quote and buy online
  • Affordable - Competitive prices with no additional policy fee to pay by the month#
  • Choice - A comprehensive range of home and contents insurance products to suit your budget and needs
  • Easy claims process - Allianz understands that if you need to make a claim, you want to be able to settle it quickly and with minimal fuss

Extra ways to save:

  • Combined building and contents discount – When you combine your building and contents cover on the one policy, you’ll be rewarded with a discount of up to 10%
  • 30% no-claim bonus discount – You can save on your premium each year you don’t make a claim, up to a maximum 30%*~
  • Reduce your premium – You can choose to increase your excess in order to save on your premium.
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Compare the features

Features & benefits Prestige Home Classic Home Vital Home
Insured events cover

Accidental loss or damage

Accidental breakage of glass

Additional cost of temporary accommodation, removal of debris, professional fees and extra costs


Up to 10% of contents sum insured.


Up to 10% of contents sum insured.


Up to 10% of contents sum insured.

Automatic indexation of sum insured

Compensation for death


Up to $10,000


Up to $10,000


Up to $10,000

Contents in open air at the risk address


Conditions apply.


Conditions apply.


Conditions apply.

Contents in safe deposit box - accidental loss or damage, excluding theft


Up to 20% of contents sum insured


Up to 20% of contents sum insured


Up to 20% of contents sum insured

Credit cards - cover for loss or theft


Up to $5,000


Up to $5,000


Up to $2,500

Fusion of electric motors


Motors up to 12 years old


Motors up to 10 years old

Guests', visitors' and domestic helpers' property


Up to $5,000


Up to $5,000


Up to $2,500

Landlords' content


Up to $10,000


Up to $10,000

Legal liability


Up to $20,000,000


Up to $20,000,000


Up to $10,000,000

Modifications to buildings for paraplegia & quadriplegia


Up to $10,000


Up to $10,000


Up to $10,000

Replacement of locks and cylinders


Up to $2,000


Up to $1,000


Up to $1,000

Security firm attendance


Up to $500


Up to $500


Up to $500

Spoilage of refrigerated/freezer food


No specified limit


Up to $500

Temporary removal of contents from your risk address


Up to 20%/$7,500 of contents sum insured with sub-limits for selected contents.


Up to 20% of contents sum insured with sub-limits for selected contents.


Up to 20% of contents sum insured with sub-limits for selected contents.

Title deeds


Up to $2,000


Up to $2,000


Up to $2,000

Veterinary costs


Up to $500


Up to $500


Up to $500

Want to learn more?

For detailed information on the cover and limits provided, you should read the Product Disclosure Statement.

To review the Key Facts Sheets available for our home building and/or contents cover click here

#Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

*Minimum premiums may apply. Any discounts/entitlements only ‎apply to the extent any minimum premium is not reached. If you ‎are eligible for more than one, we also apply each of them in a ‎predetermined order to the premium (excluding taxes and ‎government charges) as reduced by any prior applied ‎discounts/entitlements.‎

~To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. Customers who have had up to two claims may still qualify for reduced No Claim Bonus.

Allianz Insurance Limited (Allianz) AFSL 234708 ABN 15 000 122 850 of 2 Market Street, Sydney NSW 2000 is the underwriter of this insurance. In arranging for this insurance, My Credit Union Limited AFSL 246941 ABN 59 087 650 584 acts as an agent for Allianz, not as your agent. The information contained in this guide is a summary only. We do not advise you whether the insurance is appropriate for your personal objectives, financial situation or needs. To decide if it is appropriate for you, please carefully read the relevant Product Disclosure Statements which are available from My Credit Union Limited. If you purchase this policy, we will charge you an agreed premium, including any relevant taxes and charges. If you buy Allianz Classic Home Cover, My Credit Union Limited may be paid a commission of 15% of the premium.

 

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