Home & Contents Insurance

Insure your house inside and out from loss or damage caused by one or more of 12 insured events, including fire⁷, theft, storm⁷, and flood⁷.

• Save up to 10% on your first year’s premium when you quote and buy 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 cost⁶

Get cover for your home building and your contents by combining buildings and content 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 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 standard terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS before deciding to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.

Rebuilding and professional fees

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

Cover for the unexpected

Police Credit Union Home and Contents Insurance offers cover for out of the ordinary but devastating events such as fire⁷ including bushfire⁷ and grassfire⁷, earthquake⁸ and burglary.

Cover for storm damage

Covers loss or damage caused by storm, cyclone⁷, or rainwater but this does not include run-off.

Cover for flood and/or run-off

Covers loss or damage caused by flood⁷, run-off, flood water⁷ combined with run-off and/or rainwater.

Making your buildings environmentally friendly

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Police Credit Union Home and Contents Insurance 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, Police Credit Union Home and Contents Insurance will 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.

Replacement locks

Police Credit Union 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.

Vandalism or malicious damage

Police Credit Union Home and Contents Insurance will cover you for loss or damage caused by vandalism or a malicious act.

Debris removal

In addition to your buildings and/or contents sum insured Police Credit Union 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.

Legal liability

Police Credit Union 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 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 team to commence the claims process over the phone.

Cover when you’re moving house

Police Credit Union 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).

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 insure 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 insure 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 that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover.

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, Allianz will only pay up to the amount of your loss or the sum insured, whichever is the lesser (subject to the policy terms and conditions) – 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.

Home Building Replacement Calculator

Value my home 

Home Contents Replacement Calculator

Value my contents

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.

Start your Home Insurance claim online 24/7
Complete the secure online claim form, and a friendly claims representative will contact you as soon as possible to discuss the next steps.

Alternatively, you can contact the Claims Call Centre on 1300 555 030 to submit your claim.
The claims consultant will help you through the home and contents insurance claims process.

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 Sheet/s also available for reference.