Contents insurance

Insure the things you call your own

Insure the belongings kept at the insured address for loss or damage caused by one or more of 11 insured events.

Contents insurance

Save up to 10%

on your first year’s premium when you quote and buy a new policy online1, 2

Why insure your contents with us?

It’s your personal contents that make the house your home – insure them with Allianz Contents Insurance through Hume Bank. Contents Insurance can cover your important items for damage or loss caused by insured events such as fire4, storm4 or theft.

Online discount

Save up to 10% on your first year’s premium when you quote and buy a new contents policy online 1,2.

Monthly payments

Pay by the month at no extra cost3.

Great cover

Cover for contents intended to be kept outside – e.g. barbeque, outdoor furniture and play equipment – up to $2,000 in total.

Easy claims

24/7 claims lodgement available online or through the claims phone hotline.

How you’ll be covered

The better you understand your policy, the easier it will be if you ever have to claim.

Here is a limited summary of the benefits of contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance.

The Home Contents Key Fact Sheets (KFS) also sets out some information about the cover. Select the cover to suit your needs.

Cover when you’re moving houseAllianz will 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 contents are in transit (unless you have Accidental damage cover).
Alternative accommodation for you and your petsIf your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Allianz will pay the additional costs for temporary accommodation for you up to 10% of the contents sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Debris removalAllianz will pay up to 10% of the contents sum insured for the removal of debris from the home building if your contents are damaged or destroyed by an insured event.
Emergency contents storageIf your home buildings are damage by an insured event and is unable to be lived in, Allianz will reimburse the reasonable costs to move and store your contents for the time necessary to repair or rebuild your home building or until you find alternative accommodation, up to a maximum of 12 months and up to the remaining balance of your contents sum insured after payment of claim.
Guest, visitor and domestic helper propertyAllianz will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
Food or medicine spoilageIf your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay for you to replace it. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia) the maximum Allianz will pay is $500. No excess will apply.
24/7 claims assistanceWhen you need to make a claim Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.
Cover for your contents intended to be kept outsideAllianz will cover contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

Optional coverage

Apply to add any of these optional covers for an additional premium and greater cover.

Optional cover – Accidental damageThe accidental damage cover option helps cover you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your contents.
Optional cover - Portable contentsOptional cover to insure your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed portable contents with the full replacement value to be covered away from the home.
Optional cover - Motor burnoutThe Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.
Optional cover - Flood coverFlood cover may be available as an optional cover to your contents. A 72 hour exclusion period applies4.
Optional cover - Domestic workers’ compensation cover Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Tools to get you started

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.

Remember, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – so you should also be careful not to over insure. That’s why we’ve provided these calculators. They work as guides to help you estimate the replacement value of your building and contents.

What you should know

Contents insurance covers the belongings you have at the insured address from your furniture, carpet and appliances and even your BBQ. So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

We do 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 Home Contents Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Contents Key Fact Sheet is also available for reference.

Frequently asked questions

  • What do I do if I need to make a contents insurance claim?

  • Am I covered for Flood?

  • What does it mean if I take the Accidental Damage cover option?

  • I am moving, do I need to have two insurance policies to cover me at both locations?

  • Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

  • What is considered ‘unable to be lived in’?

  • How do I know if I have optional covers on my policy?

Things you should know

Hume Bank ABN 85 051 868 556. AFSL/Australian Credit Licence No. 244248 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from or by calling 1300 004 863. The relevant Target Market Determination is available by calling 1300 004 863. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.

1 Online discount – When you quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2 Minimum premiums – 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 Instalment premiums – If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

4 72 hour exclusion period – We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.