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For 30 years now, Ansvar has funded not for profit and charitable organisations dedicated to helping and supporting disadvantaged young Australians in need.
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BENEFITS YOU CAN EXPECT
Why Choose Home and Contents Insurance Through Ansvar
Established in Australia in 1961, Ansvar is an ethical insurer that’s committed to supporting and giving back to our community. We offer an assortment of personal insurance products to choose from, each with its own benefits to accommodate customers with differing needs.
When it comes to comparing home and contents insurance, we’re confident that you’ll find our tailored cover to be comprehensive, affordable and reassuring. You also have the option to pay your home building and contents insurance premium by the month and can save 10% off your premium if you combine your building and contents cover.
CHOOSE THE PROTECTION YOU NEED
Home and Contents Insurance That Has You Covered
When it comes to arranging financial cover for the things most important to you, your home and contents should be at the top of your list. Depending on the options you choose, your policy can cover you for financial loss if your home buildings are damaged or destroyed, or if your contents are damaged, stolen or lost.
HOME
INSURANCE
Insuring your home through Ansvar will mean your physical structures are covered but so are your internal fittings and fixtures. Coverage includes garages, decks, sheds and more. We provide you with cover against damage to these structures including damages caused as a result of fires, storms, fallen trees and other impact related events.
Get a QuoteCONTENTS
INSURANCE
Insure your household from theft, damage or loss of personal items inside your home from furniture and appliances, to clothing, computers and hobby items like musical instruments, surfboards and golf clubs.
With Contents Insurance through Ansvar, even your household’s outdoor contents will be insured up to $2000 – including barbecues, outdoor furniture, trampolines and children’s play equipment.
Get a QuoteFeatures and Benefits
The better you understand your policy, the easier it will be if you ever have to claim.
Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
Key Features & Benefits
Cover When You’re Moving House
Your contents will be covered for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. No cover is provided for loss or damage whilst contents are in transit (unless you have Accidental damage cover).
Alternative Accommodation for You and Your Pets
If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Ansvar pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to 10% of the building or contents sum insured (as applicable) and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months.
Debris Removal
In addition to your buildings and/or contents sum insured, Ansvar will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.
Food and Medicine Spoilage
If you have contents cover and your refrigerator or freezer breaks down and you lose your perishable food or medicine as a result. If you claim for this benefit, excess will apply. If the spoilage is due to a natural disaster (declared by Allianz, the government or the Insurance Council of Australia ) the maximum Allianz will pay is $500. No excess will apply.
Guests, Visitor and Domestic Helper Property
If you have contents cover, Ansvar will also provide cover for property belonging to your guests, visitors and domestic helpers up to $5,000 (included in your contents sum insured), if it is lost or damaged as a result of an insured event that you are claiming for.
Cover for the unexpected
Home and Contents Insurance through Ansvar provides the necessary cover for out of the ordinary but devastating events such as fire6, storm6 and burglary. For cyclones, floods, grassfires and bushfires a 72 hour exclusion period may apply6.
Legal Liability
Home and Contents Insurance through Ansvar will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
Optional Covers
Home and Contents Insurance through Ansvar will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents). If you have contents cover, it does not cover any legal liability you may incur as owner of the buildings unless the buildings are defined as a lot.
Accidental Damage
The accidental damage cover option insures you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Portable Contents
Optional cover for your portable contents such as mobile phones, cameras and engagement rings in the event of theft or an accident at the insured address and when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days in any period of insurance. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.
Motor Burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors. This cover is automatically included if you have taken optional Accidental Damage cover.
Domestic Worker’s Compensation Cover
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
Policy Documents & Fact Sheets
For full details of the terms, conditions, limits and exclusions about our home and contents insurance offerings, please refer to the relevant Product Disclosure Statements (PDS) below and any applicable supplementary PDS before making a decision to purchase the insurance. We do not provide advice based on any consideration of your objectives, financial situation or needs.
Building & Contents Replacement Calculators
It’s up to you to decide the sums insured, the type and level of cover that you want. People generally want enough insurance to cover the property’s estimated replacement value.
Having enough cover in place reduces the risk of you being out of pocket in having to cover the costs of repair and replacement yourself. It is important to consider that you will be entitled to be paid up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) which means you should also be careful not to over insure.
To help you, we have provided calculators as useful guide to assist in estimating the replacement value of your home building and contents.
Two ways to make a claim
START A CLAIM
Lodge a claim with Allianz using the online claim form
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CALL 1300 555 030
Call the Allianz Claims Line and a friendly consultant will assist you with your claim
Frequently Asked Questions
If I purchase Home Insurance through Ansvar, who is my insurer?
If you purchase Ansvar Home Insurance, the insurer is Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708). This means if you need to make a claim, Allianz will provide you with award-winning customer service to help you get back to as close to normal as soon as possible.
What do I do if I need to make a home insurance claim?
Do what you reasonably can to prevent any further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home insurance claims process.
In what other circumstances should I contact you?
In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.
You should also contact us as soon as reasonably possible if:
- You carry out alterations, additions, demolition, repairs or decorations to the buildings costing more than $75,000
- Your home building has not been lived in (or will not be lived in) for more than 60 consecutive days. In the event of a claim, we may (acting reasonably) ask you to prove that the home buildings are lived in
- You commence using any part of your home for business, trade or professional purposes
- You remove any security devices that were specifically required by us
How should I determine the replacement value of my buildings?
The replacement value of your buildings is not the same as the market value – you do not need to include the value of the land when calculating the building’s replacement value. Use our Home Building Replacement Calculator to help you estimate the replacement value of your home building.
If I make a claim, how will my possessions be repaired or replaced?
Allianz has agreements with national suppliers to replace most items and can often organise the quotes and repair or replacement of your possessions.
What does it mean if I take the Accidental Damage cover option?
This optional cover insures you if you have Contents cover and take this option, the sort of mishaps you’ll be covered for include when you spill red wine on the carpet or lounge. We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days (not just at the insured address).
Which option do I need to cover my laptop, tablet, mobile phone or smartwatch away from home?
You can cover laptops, tablets, mobile phones, smartwatches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as listed portable contents to be covered under this option. We will not cover cracked glass or screens where this is the only damage to the item.
What if I need to claim on portable contents cover?
You need to provide evidence of the value and ownership of both listed and unlisted portable contents.
How do I know if I have optional covers on my policy?
You can apply to add these options to your policy when you start or renew it (or during your period of insurance) by contacting Ansvar Insurance on 1300 650 540. If you’re not sure whether you have added these cover options, you can check your policy schedule.
What is considered ‘unable to be lived in’?
Your home is unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.
Things You Should Know (Disclaimers)
Ansvar Insurance Limited ABN 21 007 216 506 AFSL 237826 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 situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement. The relevant Target Market Determination is also available by calling 1300 650 540.
If you purchase this insurance, Ansvar will receive a commission that is a percentage of the premium. Ansvar may participate in sales incentive schemes including profit share arrangements with Allianz. Allianz may provide other benefits to Ansvar and its employees, such as promotional items, marketing fees for its products and business related conferences, which are provided to us at no additional cost to you. Ask us for more details before we provide you with services.
1. Minimum premium
Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.
Most discounts won’t apply below the minimum amount payable for the policy.
2. Online discount
When you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums apply.
3. Combined
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to any flood component of the premium (where covered) or to the optional Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.
4. Instalment premiums
If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
5. No Claims Bonus
When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.
The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).
6. 72 Hour exclusion period
We may not provide cover for any loss of or damage to your property caused by cyclone, grassfires and bushfires, and certain other insured events during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to the PDS for a full list of the insured events to which the 72 hour exclusion period applies and the relevant exceptions.
7. Earthquake Excess
An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.
For full details of conditions and exclusions please refer to the relevant PDS.