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Fixed Home Loans

Rates From:
2.88%^pa

Comparison rate*
4.11%pa

^Terms, conditions and lending criteria apply *Click for important information about comparison rate.

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Variable Home Loans

Rates From^
3.04%^*pa

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Term Deposits

100 day special
1.45%pa

Min investment of $5,000+

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Personal Loans

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6.95%pa

Comparison rate*
7.13%pa

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Personal Credit Cards

Rates From*
11.95%pa

*Interest rate on purchases

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Personal Savings

Base Rate
0.85%pa

Bonus Rate*
0.25%pa

Bonus Rate Conditions apply.

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

 

 

Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children's play equipment up to $2,000 in total.

 

24/7 emergency claims assistance

Save up to 10% on your first year's premium when you purchase a new policy online1,2

 

Pay by the month at no extra cost3

It's your personal belongings that make the house your home - protect them with Allianz Contents Insurance through Hume Bank.

Contents Insurance can cover your important items from damage or loss caused by insured events such as fire, storm or theft.

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 terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.

Select the cover to suit your needs.

Effective 18 November 2019.

Contents Insurance

   

Cover when you’re moving house

Allianz 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 pets

If 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.

Debris removal

Allianz 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 storage

If your home building is unable to be lived in, Allianz will pay to move and store your contents for up to 12 months.

Guest, visitor and domestic helper property

Allianz 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 spoilage

If your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result, Allianz will pay up to the amount specified in the PDS for you to replace it.

24/7 emergency claims assistance

When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.

Cover for your contents intended to be kept outside

Allianz 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 Covers

Add any of these optional covers for an additional premium and greater cover.

Optional cover – Accidental damage

The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.

Optional cover - Portable contents

You can choose optional cover to protect 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.

Optional cover - Motor burnout

The Motor burnout option covers you if an electrical current damages your household electrical motors.

Optional cover - Flood cover

Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.

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.

Contents > What’s covered?

Contents > What’s covered?

Contents insurance protects the belongings you have at the insured address that you have provided for the use of your tenant: 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.

If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Contents Product Disclosure Statement, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Click here for the relevant Product Disclosure Statements for Vital Home Insurance, Classic Home Insurance, Prestige Home Insurance or Landlord Insurance and Key Facts Sheets effective prior to 18 November 2019.

Policy Documents and Key Fact Sheets

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/s also available for reference.

Home Contents Calculators

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 - so you should also be careful not to over insure. That's why we've provided this calculator. It works as a guide to help you estimate the replacement value of your home contents.

Home Contents replacement calculator

Value My Contents

Frequently asked questions

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

Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 13 10 13 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the contents insurance claims process.

Am I covered for Flood?

Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 1300 004 863 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Contents Key Fact Sheet.

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

This optional cover provides even more protection – it covers you in the event of damage caused by unexpected mishaps that are caused unintentionally not just the specified insured events.

If you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge.

We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).

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

Through Allianz, we’ll 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 items contents are in transit (unless you have Accidental damage cover).

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

You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. Through Allianz, we will not cover cracked glass or screens where this is the only damage to the item.

What is considered ‘unable to be lived in’?

Allianz will consider your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and we agree that you cannot live in the home.

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

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Hume Bank on 1300 004 863. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Can I cover my bike and other sporting equipment away from home?

Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

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

You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting Hume Bank on 1300 004 863. If you’re not sure whether you have added these cover options, you can check your policy schedule.

Contents Insurance

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. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from humebank.com.au. 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 - A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); 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.