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Home and contents insurance

Comprehensive cover to suit your needs.

Quote or applyMake a claim

We cover more, so that you worry less

Fire. Flood. A wayward cricket ball. ANZ Home Insurance has your home and valuables covered when you take out combined home and contents cover. With full building replacement, you can be confident with your cover.

And with optional extras, you can cover things like your phone from slips. Worry less, and we'll take care of the rest.


What's covered?

Key benefits

Buildings & contents

Buildings only

Contents only

Full building replacementdisclaimer

Cover for damage from flood, bushfire
and other natural

New for old
regardless of agedisclaimer

Cover for electrical motor
burnout and
power surgedisclaimer


Optional benefits

Building & contents

Building only

Contents only

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 134kB) which sets out some of the events covered and not covered by this policy and other information you should consider.

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 for full details about this insurance product, including information about the benefits, premiums, exclusions and when we’ll pay under these policies.

What's not covered?

Some of the exclusions are:

  • 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.
  • Sporting equipment while it's in use.
  • Damage caused by any event that doesn’t occur within your insurance period.
  • Limited cover for loss or damage suffered if you leave your home unoccupied for more than 120 consecutive days (e.g. theft).
  • Loss or damage caused by vermin, insects or birds.
  • Equipment used to earn an income.
  • Glassware, crystal, crockery, mirrors or china while in transit.

Ways to save

Quote or apply

  • 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 policiesdisclaimer
  • 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 holderdisclaimer
  • Discount for combined buildings and contents coverdisclaimer
  • 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 options including home, motor, travel, life and income protection.

Learn more



Use our easy claims process

­­We know home and contents insurance claims come at an extremely stressful time. With round-the-clock claims lodgement support available online and over the phone, we're there for you when you need us.

Once we've received your claim, we'll let you know if we need more information.


Make a claim


Awarded home insurance. Year in, year out.


ANZ won the 2018 Canstar Outstanding Value Home & Contents Insurance Award and has been offering Canstar’s most nationally-awarded home insurance since 2009.



ANZ has been recommended by CHOICE® for 3 consecutive years, having received the highest overall performance score for building and contents cover since 2015.


Learn more about home insurance


Home and contents insurance FAQs

Learn how premiums are calculated, what of your home and contents can be covered while you’re travelling, how to reduce your premium, and more.



Floods, fires and termites: the role of insurance

Natural disasters like bushfires, floods, cyclones and hailstorms are inevitable. See our top tips on getting your home covered from disaster.



Seniors’ home insurance

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



Should you renovate or move?

More and more Australians are choosing to renovate. What’s the right choice for you and how much will renovation cost? Find out here.


View all

Get your home and contents insurance now

13 16 14

Mon-Fri 8am to 8pm (AEST)

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Product Disclosure Statement


How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. 

Talk to us

Our customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.

Call us:

  • 13 16 14 on weekdays from 8:30am to 6:00pm (AEST)
  • +61 2 9234 8111 for international clients

Email us:

Write to us:

Customer Care
P.O. Box 213,


External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with AFCA who provides fair and independent financial services complaint resolution that is free to consumers. 

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.The AFCA contact details are:

Call us:

1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)

Email your complaint to:

Write to us:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001



This information was published on 9 October 2018 and is subject to change.

ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (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.

ANZ Income Protection covers two separate financial products – Income Cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238 341) and Involuntary Unemployment and Family Care Cover are issued by OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288 160) (OnePath General). We recommend that you read the ANZ Financial Services Guide (PDF 479kB) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF 272kB) (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.

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 applied in a present order and exclude any premium for Liability cover, Domestic Workers’ Compensation and are calculated before taxes and charges. 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 Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527).  Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. 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.

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 building is totally destroyed by an insurable event and your claim is accepted, we’ll choose to either rebuild or pay you the cash equivalent.

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We do not cover loss or damage caused by a bushfire, flood or named cyclone that occurs within 48 hours of the start of your policy.

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If your contents suffer loss or damage in an insured event, 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.

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We do not cover the cost to repair or replace an electric motor if it is older than 15 years old.

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

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Contents cover for up to 120 consecutive days away from home. We’ll pay:

- up to the 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.

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Valuables that exceed $3,000 can be insured at a value selected by you. Valuable items include jewellery, watches, collectibles and items containing gold and silver.

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Multi policy discount (MPD) 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 (Eligible Policies).  For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy.  If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.

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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.

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Discounts are calculated before taxes, stamp duty and government levies or charges.

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