If you lose your home, we’ll help rebuild it.
Highlights Show more
Your biggest asset shouldn't be left to chance
Full building replacement1
New for old contents replacement2
Electrical motor burnout and power surge3
Automatic cover for bushfire, flood and other natural events4
Fast access to your policy with the ANZ App
Accidental loss or damage5
Cover of contents including laptops and mobile phones away from home, anywhere in the world6
Whats covered? Show more
We cover more, so you worry less.
From fire or flood, to a cricket ball through the window, ANZ Home and Contents Insurance has you covered. We can cover you if you accidentally damage your mobile phone, your bicycle is stolen, or if your fridge’s motor burns out, if you have selected this option.
|Buildings only||Home & Contents|
|We cover you for:|
|Full building replacementHelp||Yes||Yes|
|New for old contents replacement,regardless of ageHelp||Yes|
|Flood, bushfire and other natural events (automatically included in your policy). 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.||Yes||Yes|
|Accidental breakage, theft and vandalism||Yes||Yes|
|Electrical motor burnout and power surge. For example, if either of these cause your air conditioner to break down.||Yes||Yes|
|Domestic Workers' Compensation (ACT, Tas, NT and WA only)||Yes||Yes|
|Accidental glass breakage||Yes||Yes|
|Unspecified valuable items up to $3,000Help||Yes|
|Contents in a commercial storage facilityHelp||Yes|
|Contents in transit to $10,000Help||Yes|
|Trees, plants and shrubsHelp||Yes||Yes|
|Guest, visitor or employee belongings, up to $7,500||Yes|
|Document damage to $1,000Help||Yes|
|Increase in sum insuredHelp||Yes|
|Replacement locks and keys||Yes||Yes|
|Alternative accommodation costsHelp||Yes||Yes|
|Vet expenses up to $1,000 if your pet is injured in a road accident.||Yes|
|Demolition and debris removal costs||Yes||Yes|
|Architect, surveyor and legal costs if you need to rebuild your house after being damaged by an insured event||Yes||Yes|
|Discharge of mortgage costsHelp||Yes||Yes|
|Accidental Loss or Damage at homeHelp||Yes||Yes|
|Contents away from home, anywhere in the worldHelp||Yes|
|Specified valuables over $3,000Help||Yes|
Benefits for over 50s
|A discount on the cost of your premiums||Yes||Yes|
|$500 for a limb fracture in your homeHelp||Yes||Yes|
|Legal liability cover, up to $30 million||Yes||Yes|
|Legal liability cover for sporting or social club committe members, up to $10,000||Yes||Yes|
What's not covered?
|We want to be up-front about the things we won't pay a claim for. That way there are no nasty surprises.|
|We won't pay a claim for:|
|Glassware, crystal, crockery, mirrors or china while in transit|
|Loss or damage caused by vermin, insects or birds|
|Equipment used to earn an income|
|Burnout of electric motors 15 or more years old|
|Sporting equipment while it's in use|
|Registered motorbikes or mini-bikes and unregistered motorbikes or mini-bikes that are over 125cc|
|Watercraft more than four metres long, or that are powered by a motor of 10hp or more, and jet skis|
|Fixtures and fittings and other contents in a strata property that are insured by the body corporate|
This is only a summary of some of our cover and exclusions. For further information view the ANZ Home Building and Home Contents Key Facts Sheets (KFS) which sets out some of the events covered and not covered by this policy and other information you should consider. This (KFS) does not provide 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) and all policy documentation for more details
What it costs Show more
Complete cover. Great value.
Five ways to get more from your insurance.
It only takes a few minutes to get a personalised Home and Contents Insurance quote, either online or over the phone or at any ANZ branch.
- Enjoy a multi policy discount up to 12.5% off your annual premium7 when you have multiple policies with us
- Receive a discount for combined home and contents cover8
- Receive a discount on your premium9 for the first year you take out a policy if you're an ANZ Breakfree Package holder
Receive a discount on your premiums if you're
- Choose from a range of higher excess options to lower your premium.
Multi policy discount
What is it?
We want to reward you for holding more than one policy with us. That’s why we offer an upfront multi policy discount7 to help you save on your premium.
If you hold more than one eligible Home, Landlord or Car Insurance policy with us, we’ll reduce your premium with a discount up to 12.5%. You will continue to receive this discount for as long as you hold multiple policies with us.
For more information on the multi policy discount, refer to the PDS.
Take out a new policy, and if you qualify for the multi policy discount, you will get a discount on it right away.
We will recalculate the premium on any other policies you have with us when they renew.
The maximum discount is achieved by having three or more eligible policies.
Awarded home insurance that covers more
ANZ has won the Canstar Outstanding Value Home Insurance Award for 2017 and is Canstar’s most nationally awarded home insurer since 2009.
CHOICE ® recommended ANZ Home & Contents Insurance for 2015 and 2016 with the best overall performer score across 56 insurance products.
View the Home Building and Home Contents Key Facts Sheets (KFS) which sets out some of the events covered and not covered by this policy and other information you should consider. This (KFS) does not provide 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) and all policy documentation for more details.
Are you bushfire ready? With so many Australians living close to the bush, the risk of bushfires is something we can’t afford to ignore. Remember, even the best preparations are no match for a big fire — so make sure you’ve protected your largest asset with quality home and contents insurance.
Home and contents insurance is designed to protect your most valuable assets. Here we answer the frequently asked questions about home and contents insurance including what it covers, how your premium is calculated and whether you’re insured while travelling.
Buying a home is one of life’s great milestones, and simultaneously one of its great hassles. The combination of time, stress and money means it’s a decision never taken lightly.