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Protect the things that matter most

Home and Contents Insurance

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

Key benefits

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

  • Save up to 10% discount on your first year's premium when purchasing a new policy online 1, 4
  • 24/7 claims assistance
  • Combine your building and contents cover to receive up to 10% discount on your premium 2, 4
  • Pay by the month at no extra cost 6

If you take both buildings and contents insurance, here’s how they can work together if the unexpected occurs:

  • Your house burns down. You could lose 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.

Building and Contents Insurance

This is a summary only. For information on what is covered and not covered and the standard terms, conditions, limits and exclusions of cover, please read the Product Disclosure Statement.

Effective 22 February 2021

Rebuilding and professional fees

If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.

Cover for the unexpected

Allianz 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, Allianz have 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, Allianz will pay up to $5,000 (after deduction of any government or council rebates) 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, Allianz 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

Allianz 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, Allianz 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.

Legal liability

Allianz 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).

24/7 claims assistance

When you need to make a claim, Allianz are there for you with 24 hour claims lodgement available online, or you can call the claims line to commence the claims process over the phone.

Cover when you’re moving house

Allianz 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).

Apply to add any of these optional covers for an additional premium and greater cover.


Optional 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.

Optional cover - 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. Some portable contents must be specified as Listed Portable Contents with the full replacement value to be covered away from the home.

Optional cover - 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

Optional cover - Flood cover

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

If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Product Disclosure Statement/s, Allianz Vital Home Insurance and Allianz Prestige Home Insurance, any applicable PDS and Buildings or Contents Key Fact Sheet/s.

How to claim

A convenient way to make a home insurance claim is via the online claim form. You can commence submitting your home insurance claim notification 24 hours a day, 7 days a week. Once it is lodged, a friendly claims consultant will contact you as soon as possible.

  • Secure form
  • No phone queues
  • Immediate confirmation number for your reference

Make a claim

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

You can call 1300 555 030 and a consultant will help you commence the claims process.

Request a call back from a bcu specialist

Are you an existing bcu member?

Important things you should know


    bcu a division of Police & Nurses Limited ABN 69 087 651 876 AFSL 240701 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFS Licence No. 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision please read the relevant Product Disclosure Statement (PDS), and any applicable supplementary PDS. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services.

    1. Online discount

      A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

    2. Combined

      A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers.

    3. No claim bonus

      When you take out a new policy, we calculate your No Claims Bonus based on your home or landlords (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding five 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.

    4. Minimum premiums

      If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts.

      Discounts do not apply to taxes or government charges.

      Discounts do not apply to optional covers for Domestic Workers Compensation / Landlord Workers Compensation, and may not apply to other optional covers (if available and selected).

      Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

    5. Excess reduction

      Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.

    6. 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.