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Buildings and Contents Insurance

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Protect your home inside and out from loss or damage caused by one or more of 11 insured events.

Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy.

If you take both Building and Contents insurance here’s how they can work together if the unexpected occurs:

  • Your house burns down. You could lose all your buildings, and everything in them. With adequate sums insured under Buildings and Contents covers, you could rebuild and replace your insured belongings.
  • A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Buildings cover. Then you could replace damaged items like blinds and kitchenware under your Contents cover.
  • A thief smashes your window, breaks the lock and steals your belongings. You can fix the window and lock through your Buildings cover and replace the items that were stolen under your Contents cover.

Plus, you will only have to pay the applicable excess(es) once in respect of any single claim if your buildings and contents are damaged by the same insured event.

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 terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Buildings and Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.

Select the cover to suit your needs.

Effective 16 December 2019

  • Rebuilding and professional fees

    If you need to rebuild your home after total loss or damage, Over Fifty's Home and Contents Insurance will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

  • Cover for the unexpected

    Over Fifty's Home and Contents Insurance offers protection for out of the ordinary but devastating events such as fire, storm and burglary.

  • Cover for storm damage

    Rest easy, within the first 72 hours following a storm, Over Fifty's Home and Contents Insurance has got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.

  • Making your buildings environmentally friendly

    If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Over Fifty's Home and Contents Insurance will pay up to $5,000 to help you make the new buildings more environmentally friendly.

  • 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, we pay the additional costs for temporary accommodation for you 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. 

  • Replacement locks

    Over Fifty's Home and Contents Insurance will cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied. 

  • Vandalism or malicious damage

    You are covered for loss or damage caused by vandalism or a malicious act.

  • Debris removal

    In addition to your buildings sum insured, Over Fifty's Home and Contents Insurance 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.

  • 24/7 emergency claims assistance

    When you need to make a claim Allianz are there for you with a 24 hour claims line, helping you get back on track again as soon as possible.

  • Legal liability

    Over Fifty's Home and Contents Insurance 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. 

  • Cover when you’re moving house

    Over Fifty's Home and Contents Insurance  will cover your contents 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).

Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the relevant Home Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheets also available for reference.

If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant Over Fifty's Insurance Home and Contents Insurance please refer to the Prestige Home Insurance, Classic Home Insurance or Vital Home Insurance Product Disclosure Statement (PDS), and any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.

Home Contents Calculator

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself. Remember, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents.

Optional covers

Add any of these optional covers for an additional premium and greater cover

  • Accidental damage

    The accidental damage cover option helps protect 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

    You can choose optional cover to protect 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. 

  • Motor burnout

    The Motor burnout option covers you if an electrical current damages your household electrical motors.

  • Domestic workers’ 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.

  • Flood cover

    Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.

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What does Home and Contents Insurance cover?

Buildings > What’s covered?

Buildings insurance is designed to protect the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Contents > What’s covered?

Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags. So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.

 

Frequently asked questions

  • What do I do if I need to make a buildings and/or contents insurance claim?

    Take all reasonable precautions to prevent further loss, damage or liability. Contact the police immediately to report any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 651 777 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process.

  • Am I covered for Flood?

    Flood cover is an option on both Building and Contents in Home and Landlords policies. Please call us on 13 31 30 to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement any supplementary PDS and Home Buildings or Home Contents Key Fact Sheets.

  • I have changed the security on my property - do I need to let you know?

    If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium.

    You must tell Allianz immediately if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:
    •    propose changes to the terms and conditions of your policy
    •    charge you a higher premium
    •    cancel your policy
    •    decide not to offer to renew your policy.

  • I'm about to install a new kitchen and renovate my bathroom - should I notify my insurer?

    You should tell Allianz immediately if during the period of insurance your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:
    •    propose changes to the terms and conditions of your policy
    •    charge you a higher premium
    •    cancel your policy
    •    decide not to offer to renew your policy.

    It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

  • I have commenced using my home for business purposes - should I notify my insurer?

    You must tell Allianz immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

    If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:
    •    propose changes to the terms and conditions of your policy
    •    charge you a higher premium
    •    cancel your policy
    •    decide not to offer to renew your policy.

  • What do I do if I rent my home out to tenants?

    If you’re renting your home out to tenants, cover is not available under Allianz Home and Contents Insurance through Over Fifty's Insurance unless you also live at the insured address.  Allianz offer a product that has been specifically designed for landlords that you can consider instead.

  • How much will I be covered for?

    It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. If you don’t have enough cover, you could end up having to cover some of the costs yourself.
    Remember, Over Fifty Buildings and Contents Insurance will only pay up to the amount of your loss or the sum insured, whichever is the lesser - so you should also be careful not to over insure.

  • What if I need help choosing the right amount of cover?

    To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

  • I run a business from home, can I get cover?

    You must tell Over Fifty Insurance immediately if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

    If you don’t, Allianz may not pay a claim in whole or in part under the policy to the extent permitted by law.

    When Allianz receive this information, they may:
    •    propose changes to the terms and conditions of your policy
    •    charge you a higher premium
    •    cancel your policy
    •    decide not to offer to renew your policy.

  • Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

    You can cover laptops, tablets, mobile phones, smart watches 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. Allianz will not cover cracked glass or screens where this is the only damage to the item.
     

  • Can I cover my bike and other sporting equipment away from home?

    Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

  • 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 Over Fifty Insurance on 13 31 30). If you’re not sure whether you have added these cover options, you can check your policy schedule.

  • Will I be covered if my drone is damaged or stolen within my home?

    Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.

Next steps

Over the phone – 24 hours a day, 7 days a week claims hotline

To submit a claim over the phone call 13 31 30, select claims and one of our friendly consultants will assist you.