Home building and contents insurance

Home and contents insurance is made up of two parts – home building insurance, which covers the building you live in and non-removable fixtures in case of damage or natural disaster^disclaimer, and contents insurance, which helps cover your contents in case they are damaged or stolen^disclaimer

The building insurance part of your ANZ home building and contents insurance covers the cost of repairing or rebuilding your home up to your sum insured plus up to a 25% safety net in the event that building repairs to your home exceed the sum insured.^disclaimer

This includes cover for your main dwelling and any domestic outbuildings like sheds or granny flats against floods, bushfires and storms, and cover for professional and rebuilding fees such as the reasonable costs of employing an architect, engineer or surveyor.^disclaimer

For the contents section of your home and contents insurance, you can add optional benefits that can help ensure your items are covered from accidental loss or damage wherever you are.

With ANZ contents cover, you don't need to get each of your contents insured individually; depending on the value, they may be covered as contents under your nominated insured amount. However, you would need to individually insure any portable content items that you take outside your home if you wanted cover away from home, and would need to increase your valuables cover if any category of valuable from works of art, jewellery and watches or collections exceeds $2,500.

Under your ANZ home building insurance, you are able to claim the cost of repairing or rebuilding your home if it is damaged after an insured event such as accidental glass breakage, theft or attempted theft, vandalism or natural events, such as a bushfire, flood, cyclone, earthquake or storm.^disclaimer

Under your contents insurance, you are able to claim destroyed, damaged or stolen personal items. These could include:^disclaimer

• clothes and accessories
• kitchen appliances
• furniture or furnishings that are not built in
• medical items and hearing aids
• media bought online, such as music, software and videos
• artworks, and
• rugs and antiques

Under ANZ contents insurance, additional cover can also be taken out under your policy for each group of valuables from jewellery and watches, works of art or collections that exceeds $2,500, and portable contents cover that provides coverage for your items whilst they are outside of your home.^disclaimer

 Your ANZ home and contents policy also includes legal liability cover.

If you are renting, your landlord is responsible for insuring the building and any contents at the property that are owned by your landlord, such as the carpet, curtains or blinds. However, your personal belongings are not covered by your landlord's insurance, and if you want cover to protect these items, you will need to take out your own contents insurance cover.

Renters can take out a contents insurance policy exactly the same way as a homeowner, and can have coverage for all their household items such as electronics, kitchen appliances, furniture, medical items, clothing and accessories.

If you want cover for your contents whilst you're out of the house, such as your mobile phone, bag or laptop in the case of theft or accidental damage, you can add the 'portable contents' optional benefit to your ANZ contents insurance policy. This can cover your items anywhere you need to go, whether it's to work, on public transport or on an overseas holiday^disclaimer.

In most cases, you'll need to contribute an amount towards the cost of approved claims. This is known as your 'excess', and you may increase the amount of excess you would like to pay to reduce your premiums.

Types of excess you might need to pay include the standard excess and an imposed excess.

Full Building Replacement is an optional feature across some home insurance products that means that, if an insured event damages or destroys the home, the insurer would pay the total cost of the repair or rebuild of the home to the same size or standard as before the damage occurred.

ANZ Home Insurance does not include Full Building Replacement but instead includes a Safety Net as a standard feature for all home building policies. This means that if your home is damaged or destroyed by an insured event, and the cost of rebuilding or repairing exceeds your nominated building sum insured, CGU will cover reasonable costs up to an extra 25% of the building sum insured, helping to reduce the risk of underinsurance.

Find all the important policy documents for ANZ Home Insurance, all in one place..

• ANZ Home Building Key Facts Sheet – issued by CGU Insurance
• ANZ Home Contents Key Facts Sheet – issued by CGU Insurance
• ANZ Home Insurance Product Disclosure Statement – issued by CGU Insurance
• ANZ Home Insurance Target Market Determination – issued by CGU Insurance
• ANZ Home Premium, Excess, Discount and Options Guide – issued by CGU Insurance
• ANZ Financial Services Guide (PDF)

Making a home and contents insurance claim can come at an extremely stressful time. With 24/7 claims lodgement over the phone, help is with you when you need it most.

To make a claim, call 13 16 14. Make sure you have your policy number handy.

Call 13 16 14

Want more information on making a claim? Read our article, How to make a home and contents insurance claim.

If you took out ANZ Home Insurance prior to 3 July 2023, or renewed your policy prior to 7 August 2023, you are still covered under your QBE policy.  To make a claim, please view more information here.

Your feedback regarding our performance is valued greatly. ANZ and CGU are committed to resolving any concerns you may have.

The customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. They will do their best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you wish to lodge a complaint or provide feedback, please visit the Complaints Resolution Centre.