Home Insurance

Insure your house, the things inside it, your portable contents or your investment property. With products and options to tailor your cover, you can select the right product for you.

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Building & Contents
Insurance

Protect your home inside and out from loss or damage caused by one or more of 11 insured events.

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Landlord
Insurance

Protect your investment property and landlord's contents from insured events such as theft, fire, storm and malicious damage.

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Please note

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 relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheets also available for reference.

If you purchased home insurance before 18 November 2019, please refer to the relevant Classic Home Insurance or Prestige Home Insurance Product Disclosure Statements, any applicable supplementary PDS, and Buildings or Contents Key Fact Sheet.

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 relevant Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Landlord Buildings or Landlord Contents key fact sheets also available for reference.

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

Disclaimer

Auswide Bank Ltd ABN 40 087 652 060. Australian Financial Services & Australian Credit Licence: 239686 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 www.auswidebank.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.
    A premium discount of up to 10% is applied to your first years premium when you buy a new Landlord insurance policy online including to optional covers if selected; Rent default and Flood. This discount is not applied on renewal.
  2. Combined
    A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers.
  3. NCB
    When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
  4. 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.
  5. Excess reduction
    Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
  6. 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.