Contents insurance
The unexpected happens, so when it comes to protecting the things you love, our CHOICE® recommended home and contents insurance has got you covered.
Our cover means you can enjoy peace of mind from accidental damage, loss or theft. Get on top of your insurance today.
What is contents insurance?
Contents insurance covers the cost of replacing the things you love if they’re damaged, lost or stolen. This includes your jewellery, TV, laptop, artworks, sporting equipment and other valuables.
If you’re unsure whether something falls under home or contents insurance, then imagine if your house tipped upside down. Items that fall out such as jewellery, laptops, mobile phones and carpets are generally covered by contents insurance.
Generally, home insurance covers what is fixed to the building, such as walls, windows and the ceiling.
Watch our video, Contents Insurance 101, to understand the importance of getting the right amount of contents insurance.
CHOICE® Recommended Cover
ANZ Home & Contents Insurance has been recognised by CHOICE® as the best performer in its category for 2020!
ANZ discounts
Receive a multi-policy discount when you take out two or more ANZ home, landlord or car insurance policies. Or, enjoy a combined cover discount if you take out home and contents insurance. We also offer a discount for customers over 50 and ANZ Breakfree package holders may be eligible for discounted premiums for the first year.
Tailor your cover and save
You can reduce your premium by removing optional extras - accidental loss or damage at home and contents cover away from home - or by selecting a higher excess. You can also pay fortnightly or monthly at no extra cost.
Easy claims process
Help is available online 24/7, and over the phone from 8am-7pm (AEST) via our claims centre. We’re here when you need us most.
What are the top home and contents insurance tips?
See our top six tips for getting the most from your cover, reducing premiums, being careful of exclusions and understanding your policy.
Is your home protected with the right insurance?
The type of insurance that’s right for you depends on your circumstances – including your life stage, whether you’re single or partnered, and whether you have dependents. Make sure you choose the right one.
Talk to us
Our customer service team is ready to answer all your questions.
Monday - Friday, 8am - 8pm (Sydney/Melbourne time)
Use the App
ANZ customers can browse and buy insurance in the ANZ App (iOS only).
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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 130kB), ANZ Home Contents Key Facts Sheet (PDF 130kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (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 463kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 129kB) and ANZ Landlord Insurance Product Disclosure Statement and Policy Document (PDF 709kB) (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 or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your personal 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.
To be entitled to a discount on your insurance you must notify the issuers of these products at the time of application that you are an ANZ Breakfree package customer. These discounts are only available if you apply for an eligible insurance product at an ANZ branch or by calling the ANZ contact centre. The discount is only applicable to the first year’s premium and may not be available in conjunction with any other discount offer made by issuers of these products or ANZ, for full details check with your branch or ANZ contact centre. 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.
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.
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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 contents sum insured and any applicable limits. Refer to the ANZ Landlord Insurance Product Disclosure Statement (PDF 709 kB) for a full list of conditions, limits and exclusions that apply.
ReturnWe 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.
ReturnWe 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.
ReturnWe 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.
ReturnContents 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.
Return