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 |
|||
New for old |
|||
Cover for electrical motor |
Optional benefits |
Building & contents |
Building only |
Contents only |
|---|---|---|---|
Accidental loss |
|||
Cover for contents |
|||
Specified valuables |
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
- 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.
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.
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
Get your home and contents insurance now
You may also be interested in
Contents insurance
For home owners, renters and apartment owners alike. Get cover for your belongings.
Income protection
Help protect yourself and your family if something puts you out of work. It only takes a few minutes to apply.
Life insurance
You never know what tomorrow may bring, but with ANZ Life Insurance, you can continue to look after your loved ones even if you aren’t there.
Product Disclosure Statement
- ANZ Home Insurance Product Disclosure Statement (PDF 1.3MB) - applies to policies commencing on or after 26th of November 2017 or policies renewing on or after 23rd of March 2018.
- ANZ Home Insurance Product Disclosure Statement 2016 (PDF 418kB) - applies to policies renewing before 23rd of March 2018.
As a valued customer we want to hear from you if any of our products and services have not met your expectations.
If you would like to compliment one of our staff or make a suggestion on how we can improve, we want to know. If we made a mistake, or our service does not meet your expectations, we also want to know.
Talk to us
We're committed to ensuring our products and services meet your expectations and we value your feedback regarding how we are performing.
Our customer care unit is your first point of contact for raising complaints or providing feedback. You can contact us directly via phone, email or in writing and we will endeavour to resolve your concerns quickly and fairly. We will aim to resolve your complaint within 15 business days.
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:
13 16 14 weekdays 8am - 8pm (AEST)
Email us:
Write to us:
Customer Care Unit
PO Box 213
Parramatta NSW 2124
Call:
1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)
Email your complaint to:
Write to:
Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
Online at:
www.afca.org.au
Escalating your complaint
If you're not satisfied with the resolution offered by our customer care unit, you can have your complaint reviewed by a Dispute Resolution Specialist.
A final decision will be provided within 15 business days of your complaint being escalated, unless they have requested and you have agreed to give them more time.
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 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.
You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.
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.
Back to topWe 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.
Back to topIf 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.
Back to topWe do not cover the cost to repair or replace an electric motor if it is older than 15 years old.
Back to topWe’ll cover unintended and unexpected loss or damage at home for the cover you have chosen.
Back to topContents 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.
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.
Back to topMulti 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.
Back to topReference 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.
Back to topDiscounts are calculated before taxes, stamp duty and government levies or charges.
Back to top