Life’s full of little accidents. So it’s good to know you’re protected.
If it’s damaged, lost or stolen - we’ll cover itdisclaimer. ANZ Home Insurance protects your belongings at home, outside, and on the road.
We also offer new for old replacement up to your sum insured, plus cover for accidental damagedisclaimer, so you can be covered if you lose your wedding ring, drop your iPad, or your fridge motor burns out.
Contents Insurance 101
Accidents, theft and loss happens. So it makes sense to protect your valuables with contents insurance. It’s important to take out contents insurance that provides full replacement cover for your belongings and having the right sum insured amount.
ANZ Content Insurance offers additional covers like accidental damage, cover away from home or new-for-old replacement regardless of age.
What's covered?
Key benefits
- New for old replacement, regardless of agedisclaimer
- Cover for damage from flood, bushfire and other natural eventsdisclaimer
- Cover for electrical motor burnout and power surgedisclaimer
Optional benefits
- Accidental loss or damage at homedisclaimer
- Cover for contents away from home and anywhere in the worlddisclaimer
- Specified valuables over $3,000disclaimer
The information on this page is only a summary of some of our cover and exclusions. For further information view the ANZ Home Contents Key Facts Sheet (KFS) (PDF 133kB) which sets out some of the events covered and not covered by this policy and other information you should consider. This KFS does not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policy.
For a complete statement of the cover offered, exclusions, conditions and limits that apply under the policy, you should carefully read the Product Disclosure Statement (PDS) (PDF 1.3MB) and all policy documentation.
What's not covered?
Some of the things that aren't covered include:
- Loss and damage caused by erosion, rust, corrosion, gradual deterioration, wear or tear.
- Fixtures and fittings and other contents in a strata property that are insured by the body corporate.
- Loss or damage caused by vermin, insects or birds.
- Equipment used to earn an income.
- Glassware, crystal, crockery, mirrors or china while in transit.
- Previous damage that has not been repaired.
- Sporting equipment while it's in use.
Ways to save
- Enjoy an instant multi-policy discount when you purchase a new policy, and on all your policies at renewal, when you hold two or more eligible policies
- Pay fortnightly or monthly at no extra cost
- Choose from a range of higher excess options to lower your premiums
- Enjoy flexible cover that you can customise to suit your needs
- Receive a discount on premiums for the first year you take out a policy, if you're an ANZ Breakfree Package holder
- Discount for combined buildings and contents cover
- Receive a discount on your premiums if you're over 50
Add your insurance details to the ANZ App
Add insurance policies to the ANZ App so that the details are handy when you need them.
Browse and buy a range of insurance coverage including home, motor and life.
Unfortunately, this option is not currently available to Android users but we hope to bring it to you soon.
Awarded home insurance. Year in, year out.
ANZ won the 2019 Canstar Outstanding Value Home & Contents Insurance Award and has been offering Canstar’s most nationally-awarded home insurance since 2009.
Get your contents insurance now
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This information was published on 30 May 2020 and is subject to change.
ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends 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.
ANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 1.2MB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Life Insurance is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341). We recommend that you read the ANZ Financial Services Guide (PDF 479kB), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF 145kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.
ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Landlord Insurance Product Disclosure Statement and Policy Document (PDF 1.2MB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
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. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
Discounts are calculated before taxes, stamp duty and government levies or charges.
The multi policy discount is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance.
Reference to insurance premium amounts for the purposes of calculating the applicable Breakfree Package benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you. Breakfree Package benefits apply to new policies and not for renewed policies.
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 anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
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If your contents suffer loss or damage in an insured event and your claim is accepted, we’ll choose to either: repair or replace an item; or pay the cost of its replacement or repair. Subject to total sum insured and contents with specific limits e.g. limit of $1,000 applies for motor vehicle accessories and spare parts. Refer to the PDS for a full list of contents with specific limits. Electric motors are covered if under 15 years old.
Back to topWe won't cover damage caused by an event excluded under any section of the policy. For example, we won’t cover loss when you can't establish the cause or loss or damage to sporting equipment while it is being used.
Back to topWe do not cover loss or damage caused by a bushfire or grass fire, flood or named cyclone that occurs within 48 hours of the start of your policy. If an item is damaged by an insured event and your claim is accepted, we’ll choose to either repair, replace or pay you the cost to do so.
Back to topWe do not cover the cost to repair or replace an electric motor if it is older than 15 years old. Electric motors are covered if under 15 years old.
Back to topContents cover for up to 120 consecutive days away from home. We’ll pay:
- up to the contents sum insured whilst in Australia or New Zealand
- the lesser of 25% of the sum insured or $15,000, whilst outside Australia and New Zealand.
We do not cover any vehicles, their accessories or spare parts. Refer to the PDS for a full list of contents with specific limits.
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