Home Insurance

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You've worked hard for your home, so you'll want to make sure it's protected. That's where Ansvar Insurance may be able to help. 

Why choose Ansvar home insurance?

Ansvar home insurance includes a range of features and benefits designed to give you piece of mind. Whether you are looking for cover for specified insured events, or more comprehensive accidental loss or damage cover, we may be able to help. 

Ansvar home insurance offer:

  • Up to 10% discount when you buy online1,2
  • Up to 30% No Claim Bonus1,4
  • Option to pay by the month at no extra cost3
  • 24/7 claims lodgement service
  • Protection for fraudulent use of loss or stolen credit cards with content cover
  • New for old replacement, where Ansvar agrees to replace your items
  • Up to 10% discount if you buy both buildings and contents covers on the one policy1
  • Protection for your portable items away from home with the optional Personal Effects cover5

Choice of Home Insurance products

MaxiCover Prestige Home Insurance  

This product provides cover for accidental loss or damage to your buildings and/or contents (unless stated otherwise in the policy). It also includes some additional benefits such as legal defence, costs, cover for contents in transit if you are moving house and offers up to twice the limit of legal liability compared to Vital Home Insurance. 

HomeCover Classic Home Insurance

This product includes everything from Vital Home Insurance plus some higher policy limits and additional features and benefits such as cover for fusion of household electric motors (motor burnout) and up to twice the limit of legal liability compared with Vital Home Insurance.

EssentialCover Vital Home Insurance

Protection in the event your home is broken into or damaged by specified insured events such as storrm, fire or earthquake.

Get a Quote

Call 1300 650 540 or request a quote online 

Home Insurance Comparison Table

Buildings and Contents covers MaxiCover Prestige HomeCover Classic EssentialCover Vital
Covers loss or damage due to:
Accidental loss or damage unless specifically excluded (Flood cover is optional, subject to eligibility) Accidental breakage (of glass); Earthquake and tsunami; Explosion, Fire or smoke; Flood (optional, subject to eligibility); Impact damage; Lightning or thunderbolt; Malicious acts; Riot or civil commotion; Storm, rainwater or run-off; Theft, burglary or housebreaking; Water or other liquid damage Accidental breakage (of glass); Earthquake and tsunami; Explosion, Fire or smoke; Flood (optional, subject to eligibility); Impact damage; Lightning or thunderbolt; Malicious acts; Riot or civil commotion; Storm, rainwater or run-off; Theft, burglary or housebreaking; Water or other liquid damage

Other Features and Benefits

Included as Standard MaxiCover Prestige HomeCover Classic EssentialCover Vital
Legal liability cover
Up to $20,000,000 Up to $20,000,000 Up to $10,000,000
Fusion (burnout of electric motors)
Motors up to 12 years old Motors up to 10 years old
Credit cards - cover for fraudulent use or lost or stolen cards
Up to $5,000 Up to $5,000 Up to $2,500
Guests', visitors' and domestic helpers' property
Up to $5,000 Up to $5,000 Up to $5,000
Spoilage of refrigerated / freezer food
Up to contents sum insured However, if the event causing the spoilage of perishable food is declared a natural disaster by the government or the Insurance Council of Australia, the maximum we will pay under this benefit is $500. Up to $500
Compensation for fracture
Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance Up to $1,000 for all fractures arising from the same accident, max $3,000 per period of insurance
Temporary removal of Contents from your risk address
- Up to 20% of contents sum insured with sub-limits for listed contents, while kept inside where you are temporarily residing; or - Up to $7,500 for contents anywhere else in Australia or NZ. Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - anywhere else in Australia or NZ but excluding theft. Up to 20% of contents sum insured with sub-limits for listed contents: - while kept inside where you are temporarily residing; or - anywhere else in Australia or NZ but excluding theft.
Landscaping
Up to $5,000 Up to $2,000
Tax audit
Up to $5,000 Up to $5,000
Legal defence costs
Up to $5,000
Transit to your new place of residence
Veterinary costs
Up to $500 Up to $500 Up to $500
Replacement of locks and cylinders
Up to $2,000 Up to $1,000 Up to $1,000
Security firm attendance
Up to $500 Up to $500 Up to $500
Contents in the open air at the risk address (Sub-limits apply for selected contents based on events causing loss/damage – see PDS for details)
Emergency storage of contents
Automatic indexation of sum insured
Compensation for death - $10,000
Contents in a safe deposit box at a bank (excludes cover for theft)
Up to $1,000 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents Up to $500 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents Up to $250 for money, cheques and other negotiable instruments; or up to 20% of contents sum insured for all other contents Sub-limits apply for selected contents
Environmental benefits when rebuilding after a total loss – up to $5,000
Up to $10,000 Up to $10,000
Mortgage discharge costs - up to $5,000
Modifications to buildings for paraplegia or quadriplegia – up to $10,000
Title deeds - up to $2,000

Optional extras

An additional premium applies

Unspecified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.
Covers any of the following contents items up to the ‘per item’ and ‘per claim’ limits you select:
a. travellers’ suitcases and bags, handbags, briefcases, wallets and purses (but not the contents of these items);
b. clothing;
c. jewellery, watches or items containing silver or gold;
d. cosmetics and toiletries;
e. clocks;
f. sporting equipment (but not watercraft, camping equipment or motor or trail bikes);
g. musical instruments;
h. photographic or video equipment;
i. binoculars or telescopes;
j. writing instruments;
k. spectacles and sunglasses;
l. personal audio and video equipment and up to four cassettes or discs (DVD, CD or Mini Discs) used with the equipment; and
m. pocket calculators and personal organisers (but not portable or handheld computers).

Some exclusions:
• No cover is provided for any item used for business, trade or professional purposes.
• We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.

 

Specified Personal Effects cover - accidental loss or damage cover for portable contents items:
- anywhere in Australia; and
- for up to 35 days overseas
Available only in conjunction with contents cover.
Can cover:
a. portable contents items included under Unspecified Personal Effects if their replacement value exceeds the maximum limits offered under Unspecified Personal Effects;
b. portable contents items which are not included in the list of items coverable under Unspecified Personal Effects (e.g. mobile phones, laptops, tablets, high value jewellery items).
We will not pay for damage to glass (other than lenses) or other brittle or fragile substances (other than jewellery) unless caused by fire or theft.

 

Domestic Workers’ Compensation cover -  Only available in the ACT, WA and TAS.
Covers the amount you are liable to pay if you employ a domestic worker such as a gardener or cleaner, and they are injured while working for you.

 

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the MaxiCover Prestige Home PDS, HomeCover Classic Home PDS and EssentialCover Vital Home PDS

To review the Key Facts Sheets available for Home Buildings and/or Contents Cover click here > View the Key Facts Sheet for Home and Contents insurance

How to claim

To make a home insurance claim

Online, anytime

A convenient way to lodge a home insurance claim is via the online claim form. You can submit your home insurance claim notification 24 hours a day, 7 days a week, whenever it suits you.

All you need to do is complete the online claim form. 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

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

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

Get A Quote

 

 

 

 

Disclaimers:

Ansvar Insurance Limited; ABN 21 007 216 506 AFSL 237826, arranges this insurance as an agent of the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We dnot provide any advice based on any consideratioof youobjectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statements (PDS): MaxiCover Prestige Home PDS, HomeCover Classic Home PDS and EssentialCover Vital Home PDS. If you purchase this insurance, we 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 premiums may apply. Anydiscounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them i na predetermined order to the premium(excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium charged for optional covers such as flood (where applicable).

2 Any online discounts offered are applied tour standard rates (excludinoptional covers) and are for the first year’s premium only (unless stated otherwise). Other discounts may apply to insurance purchased via other methods.

3 Premiums payable by instalments may be subject to minoadjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

4 To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

5 The optional Personal Effects cover is only available in conjunction with contents cover.

Make a Claim

or call us on 1300 555 030

Product Disclosure Statement

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

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