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.
Home Insurance 101
You love your house, so protect it. House insurance that covers your residential property from natural disasters, such as bushfires and floods, and accidental damage is a no brainer.
ANZ Home Insurance offers full building replacement, which covers the cost of rebuilding your home so there is no need to set a sum insured amount.
Understand the importance of getting the right amount of sum insured for your home, and what full building replacement covers.
What's covered?
Key benefits |
Buildings & contents |
Buildings only |
Contents only |
|---|---|---|---|
Full building replacementdisclaimer |
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Cover for damage from flood, bushfire |
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New for old |
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Cover for electrical motor |
Optional benefits |
Building & contents |
Building only |
Contents only |
|---|---|---|---|
Accidental loss |
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Cover for contents |
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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.
Unfortunately, this option is not currently available to Android users but we hope to bring it to you soon.
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 2019 Canstar Outstanding Value Home & Contents Insurance Award and has been offering Canstar’s most nationally-awarded home insurance since 2009.
Get your home and contents insurance now
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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.
This information was published on 1 June 2019 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 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. 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 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.
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 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 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 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 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 topIf chosen as an optional extra, we’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 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.
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.
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.
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