Home and Contents Insurance.

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

icon-insurance-purple Insure your home inside and out. Get A Quote

Home and Contents Insurance.

hand with coins

Save up to 10% on your first year’s premium when you quote and buy a new home insurance policy online.1,2

clock

24/7 online claims lodgement.

save_125X125

Combine your building and contents cover to receive up to 10% discount on your premium.1,3

calendar

Pay by the month at no extra cost. 4

Get cover for your home buildings and your contents by combining building 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 Building 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 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.  

 

  • Rebuilding and professional fees

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

  • Cover for the unexpected

Beyond Bank Home and Contents Insurance offers cover for out of the ordinary but devastating events such as fire5, storm5 and burglary.

  • Cover for storm damage

Covers loss or damage by storm, cyclone5 , rain water, runoff (provided run-off is not combined with flood waters) and, if caused by and occurs within the first 72 hours following a storm, Beyond Bank Home and Contents Insurance provides cover for loss or damage caused by soil movement, landslide, mudslide or subsidence.

  • Making your buildings environmentally friendly

If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Beyond Bank 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, Beyond Bank Home and Contents Insurance 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. This benefit applies up to a maximum of 12 months.

  • Replacement locks

Beyond Bank 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

Beyond Bank 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 sum insured, Beyond Bank 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

Beyond Bank 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 online claims lodgement

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

Beyond Bank 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).

Optional covers.

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

wine and glasses

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 building and/or contents.

guitar and tv

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.

motor burnout

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.

house flooded

Optional cover - Flood cover.

Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies5.

cleaner

Optional cover - 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.

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.

Home Insurance Calculators.

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.

Frequently Asked Questions.

Please read this important information.

Disclaimers.

Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 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. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement available from www.beyondbank.com.au/disclosures. The relevant Target Market Determination is available by calling 13 25 85. 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 services.

If you obtain or purchase insurance through our website you also agree to have received our Financial Services Guide (FSG) which is available from our website.
 
1. Minimum premiums may apply.

Any discounts and entitlements may be subject to rounding and only apply to the extent any minimum premium isn’t reached. If you’re eligible for more than one, Allianz also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts and entitlements. Discounts may not be applied to the premium for optional covers.

2. Online Discount.

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

3. Combined.  

Combined Discounts. A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Motor Burnout and Accidental Damage cover. The combined discount doesn't apply to Landlord policies, Flood or Portable Contents optional covers..

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. 72 hour exclusion period. We may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires, during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
 

Back to top

Share this page