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Seniors' home and contents insurance

Published 9 October 2018 

Insurance needs change as we age, and ANZ Home Insurance with contents cover has features and benefits to suit your priorities.

Your insurance needs to suit your current priorities, what a young graduate requires – perhaps renting while saving for a home or travel – is likely to be different to the needs of someone bringing up children or nearing retirement.

Seniors’ home and contents insurance at ANZ is simply called home and contents insurance. But we have particular benefits for policyholders aged over 50. This is because we know the requirements and lifestyle of those over 50 tends to be different to those of younger ages.

Specifically, at ANZ we offer a discount on the cost of your premiums for those over 50 (whether you’re still working, retired, self-funded or on a pension) as part of our flexible Home Insurance. We also provide the added benefit of cover if you break an arm or leg at home.disclaimer

So whether you’re a 51-year-old still bringing up kids, 60 years of age and planning your post-work life or in your late 70s and well into retirement, ANZ’s home and contents insurance is a great option.

Great cover for peace of mind

ANZ Home Insurance with contents cover is designed to protect more than just your household belongings, because we understand there’s more to life. Some of our product benefits include:


  • Medical equipment such as hearing aids, prescription glasses and contact lenses, dental aids and walking aids (see the product disclosure statement for a full list)
  • Vet expenses up to $1000 if your pet is injured in a road accident
  • Funeral expenses – because they can be an unexpected financial burden at a time when it’s least welcomedisclaimer
  • Optional cover for loss of your belongings anywhere in the world, so you can travel with confidencedisclaimer
  • Optional cover for accidental loss or damage at home.disclaimer

Our insurance for seniors in action

Here are some examples of actual claims that ANZ has paid out in the past couple of years.

  • A 79-year-old customer fell in her living room and fractured her hip. She was admitted to hospital and received a benefit from her policy.

  • A 57-year-old customer fractured both ankles while cleaning her caravan (parked at her property) and received benefits from her policy to help with her recovery.

  • A customer’s pet dogs ate their hearing aids after they’d accidentally knocked them off a bench. ANZ paid $2466 (after excess) for replacement hearing aids. Another customer lost their hearing aids at home and we paid $4840 (after excess) for replacements. These customers were covered because they took out the Accidental Damage optional benefit.

Why choose ANZ Home and Contents Insurance?

ANZ Home Insurance with contents cover is designed to suit the way you live – now and into the future. CHOICE® has recommended ANZ Home and Contents Insurance as the best overall performer since 2015.

Find out more about ANZ Home and Contents Insurance

13 16 14

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This information is current as at date of publication and is subject to change.

The issuer of this information is ANZ. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information.

ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Home Building Key Facts Sheet (PDF 133kB), ANZ Home Contents Key Facts Sheet (PDF 134kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 1.3MB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.

Although Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL 234527 distributes these products, ANZ does not guarantee the issuers or their products.

This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. 

The ANZ App is provided by ANZ. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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$500 benefit for a limb fracture. Maximum of $1000 in any one period of insurance. Exclusions for certain activities/events specified in the product disclosure statement.


Up to $20,000 if you lose your life as a result of an insured event covered under the policy.


If you have selected and paid for this option, your contents are covered away from home for up to 120 consecutive days. Your contents outside Australia and New Zealand are covered for up to 25 per cent of sum insured or $15,000 (whichever is less).


We’ll cover unintended and unexpected loss or damage at home for the cover you have chosen.