Choice of home insurance products

Vital Home Insurance

Protection in the event that your home is damaged by events such as storm, fire or earthquake. For a full list of events covered by this policy and the additional options and benefits, please see the Vital Home Product Disclosure Statement

Classic Home Insurance

This cover includes everything from our Vital Home Insurance product plus some higher policy limits and some additional features and benefits such as cover for fusion (motor burnout) of household electric motors.

Prestige Home Insurance

This is our premium product which provides cover for any accidental loss or damage to your buildings and/or contents (unless we state otherwise in the policy). It also includes some additional benefits such as legal defence costs, cover for contents in transit and offers twice the limit of legal liability compared with our Vital product.

Our home insurances offers:

  • Up to 30% No Claim Bonus2
  • Pay by the month at no extra premium3
  • Dedicated claims support 24/7
  • Protection for fraudulent use of lost or stolen credit cards.

Home insurance comparison table

Building and Content covers

You are protected against damage and loss caused by Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Key Benefits Get the Quote Get the Quote Get the Quote
Events Covered

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Any accidental loss or damage unless specifically excluded (Flood cover is optional subject to eligibility criteria).

Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Compensation for Fracture (Limits apply) Yes Yes
Contents in open air at the risk address (Sub-limits for selected contents based on insured events loss or damage) Yes Yes Yes
Contents in safe deposit box – (Limits apply) Yes Yes Yes
Credit cards – cover for credit you are legally liable to pay that has been given to anyone who has found or stolen your credit card Up to $2,500 Up to $5,000 Up to $5,000
Emergency storage of contents Yes Yes Yes
Environmental Benefits Yes Yes Yes
Guests’, visitors’ and domestic helpers’ property(Up to $5,000) Yes Yes Yes
Landscaping (Limits apply) Yes Yes
Tax Audit (Limits apply) Yes Yes
Legal Defence Costs Yes
Transit to your new place of residence Yes
Fusion of electric motors Motors up to 10 years old Motors up to 12 years old
Accidental Damage Yes
Mortgage Dischaege Costs (Up to $5,000) Yes Yes Yes
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications to buildings for paraplegia & quadriplegia (Up to $10,000) Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $2,000 Up to $2,000
Security firm attendance (Up to $500) Yes Yes Yes
Temporary removal of Contents from your risk address (maximum of 90 days) Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds (Up to $2,000) Yes Yes Yes
Veterinary costs (Up to $500) Yes Yes Yes
Get the Quote Get the Quote Get the Quote

This is a summary only. For full details of the terms, conditions, limits and exclusions, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements

Contents cover only

Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Key Benefits Get the Quote Get the Quote Get the Quote
Events Covered

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Any accidental loss or damage unless specifically excluded (Flood cover is optional subject to eligibility criteria)
Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Compensation for Fracture (Limits apply) Yes Yes
Contents in open air at the risk address (Sub-limits for selected contents based on insured events loss or damage) Yes Yes Yes
Contents in safe deposit box – (Limits apply) Yes Yes Yes
Credit cards – cover for credit you are legally liable to pay that has been given to anyone who has found or stolen your credit card Up to $2,500 Up to $5,000 Up to $5,000
Emergency Storage of contents (up to 12 months) Yes Yes Yes
Guests’, visitors’ and domestic helpers’ property (Up to $5,000) Yes Yes Yes
Tax Audit (up to $5,000) Yes Yes
Legal Defence Costs Yes
Transit to your new place of residence Yes
Fusion of electric motors Motors up to 10 years old Motors uo to 12 years old
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Replacement of locks and cylinders Up to $1,000 Up to $2,000 Up to $2,000
Security firm attendance (Up to $500) Yes Yes Yes
Temporary removal of Contents from your risk address (maximum of 90 days) Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Title deeds (Up to $2,000) Yes Yes Yes
Veterinary costs (Up to $500) Yes Yes Yes
Get the Quote Get the Quote Get the Quote

This is a summary only. For full details of the terms, conditions, limits and exclusions, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements

Building cover only

Vital Home Insurance Classic Home Insurance Prestige Home Insurance
Key Benefits Get the Quote Get the Quote Get the Quote
Events Covered

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Insured Events

  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood (optional, subject to eligibility)
  • Impact Damage
  • Lightening or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage
Any accidental loss or damage unless specifically excluded (Flood cover is optional subject to eligibility criteria)
Automatic indexation of sum insured Yes Yes Yes
Compensation for death (Up to $10,000) Yes Yes Yes
Compensation for Fracture (Limits apply) Yes Yes
Environmental Benefits Yes Yes Yes
Landscaping (Limits apply) Yes Yes
Fusion of electric motors Motors up to 10 years old Motors uo to 12 years old
Mortage Discharge Costs Yes Yes Yes
Landlords’ contents Up to $10,000 Up to $10,000
Legal liability cover Up to $10,000,000 Up to $20,000,000 Up to $20,000,000
Modifications to buildings for paraplegia & quadriplegia (Up to $10,000) Yes Yes Yes
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $1,000
Get the Quote Get the Quote Get the Quote

This is a summary only. For full details of the terms, conditions, limits and exclusions, please refer to the Vital Home Insurance, Classic Home Insurance and Prestige Home Insurance Product Disclosure Statements

How to claim?

To make a home insurance claim online, anytime

The fastest, easiest way to make a home insurance claim is to submit an online claim form. You can submit your car insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

  • Secure form
  • There are no phone queues
  • Immediate confirmation number for your reference
  • You can submit your home insurance claim form 24 hours a day, 7 days a week

Submit your claim to Allianz via the online claim form and a friendly claims consultant will contact you as soon as possible.

Alternatively, you can call 1300 823 145 and a friendly claims consultant will take you through the claims process. The Claims Hotline is available 24 hours a day, 7 days a week.

Disclaimer

Jardine Lloyd Thompson Pty Limited – ABN 69 009 098 864 AFS License No: 226827 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708

We do not provide any advice based on any consideration of your objectives, financial position or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision please consider the relevant Product Disclosure Statements available from our Downloads page. If you purchase this insurance, we will receive a commission that is a percentage of the premium paid by you before stamp duty, fire services levy, GST and any other government charges, taxes, fees or levies. Ask us for more details before we provide you with services.

1Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of the premium (if applicable).

2To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

3Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.