Protect the things that you treasure most with a reliable insurance policy that can help you relax, enjoy life and have peace of mind.

For your home

By talking to customers every day, we know that when you’re buying insurance you are really buying peace of mind. We also know that while insurance isn’t the most interesting or exciting purchase that you’ll make in your lifetime, our house and contents insurance has been developed to offer you this peace of mind and security.

House and Contents Insurance

At Ansvar Insurance, we recognise the importance of having the flexibility of choosing the right home insurance to protect your most valuable possessions; your home and contents.

Our range of House and Contents insurance products allows you to choose from the comprehensive HomeCover Classic insurance to our premier MaxiCover Prestige insurance, providing extra benefits for those seeking maximum protection.

And now introducing a new line of basic cover; EssentialCover Vital.

When selecting the best cover that suits your personal needs, compare the features and benefits of all our products by viewing the Home Insurance Features/Benefits Table and review the relevent Product Disclosure Statement.

Regardless of your choice of cover, Ansvar Insurance offers a range of discounts including:

Combined Building and Contents up to 10%⁺
30% No Claim Bonus (NCB)^@*+
Increase your excess to reduce your premium

For your convenience you can pay your premium annually or if you prefer you can pay by the month. If you choose to pay by the month, simply nominate your preferred financial institution and have your premium deducted in monthly instalments by Direct Debit with no additional policy fee^# or pay by Credit Card.

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Features and benefits of home insurance

Features/Benefits	MaxiCover Prestige	HomeCover Classic	EssentialCover Vital
Insured Events cover
Accidental loss or damage
Accidental breakage of glass
Additional cost of temporary accommodation	Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs'	Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs	Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs'
Automatic indexation of sum insured
Compensation for death	Up to $10,000	Up to $10,000	Up to $10,000
Contents in open air at the risk address	Sub-limits for selected contents based on insured loss or damage	Sub-limits for selected contents based on insured loss or damage	Sub-limits for selected contents based on insured loss or damage
Landscaping if damage caused by an insured event	Up to $5,000	Up to $2,000
Credit cards - cover for loss or theft	Up to $5,000	Up to $5,000	Up to $2,500
Fusion of electric motors	Motors up to 12 years old	Motors up to 10 years old
Guests', visitors' and domestic helpers' property	Up to $5,000	Up to $5,000	Up to $5,000
Landlords' contents		Up to $10,000	Up to $10,000
Legal liability cover	Up to $20,000,000	Up to $20,000,000	Up to $10,000,000
Modifications to buildings for paraplegia & quadriplegia	Up to $10,000	Up to $10,000	Up to $10,000
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
Spoilage of refrigerated / freezer food	No specified limit	Up to $500
Temporary removal of Contents from your risk address	Up to 20% of contents sum insured with sub-limits for listed contents, while kept where 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 where temporarily residing	Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing
Title deeds	Up to $2,000	Up to $2,000	Up to $2,000
Veterinary costs	Up to $500	Up to $500	Up to $500

Features/Benefits

MaxiCover Prestige

HomeCover Classic

EssentialCover Vital

Insured Events cover

Accidental loss or damage

Accidental breakage of glass

Additional cost of temporary accommodation

Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs'

Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs

Up to 10% of contents sum insured combined with 'Removal of debris, professional fees and extra costs'

Automatic indexation of sum insured

Compensation for death

Up to $10,000

Contents in open air at the risk address

Sub-limits for selected contents based on insured loss or damage

Landscaping if damage caused by an insured event

Up to $5,000

Up to $2,000

Credit cards - cover for loss or theft

Up to $5,000

Up to $2,500

Fusion of electric motors

Motors up to 12 years old

Motors up to 10 years old

Guests', visitors' and domestic helpers' property

Up to $5,000

Landlords' contents

Up to $10,000

Legal liability cover

Up to $20,000,000

Up to $10,000,000

Modifications to buildings for paraplegia & quadriplegia

Up to $10,000

Replacement of locks and cylinders

Up to $2,000

Up to $1,000

Security firm attendance

Up to $500

Spoilage of refrigerated / freezer food

No specified limit

Up to $500

Temporary removal of Contents from your risk address

Up to 20% of contents sum insured with sub-limits for listed contents, while kept where 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 where temporarily residing

Title deeds

Up to $2,000

Veterinary costs

Up to $500

This is only a summary of some of the policy features available on these policies. Full details of policy coverage are available in Product Disclosure Statement (PDS) and applicable Supplement Product Disclosure Statement (SPDS).

Download a copy of the:

To obtain a quote for home insurance or contents insurance call 1800 729 513, or request a quote online.

Disclaimers;

# - Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

* - Minimum premiums may apply. Any discounts/entitlements 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 in a pre-determined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

@ - To qualify for the maximum No Claim Bonus (NCB) of 30%, customers may have had no home or contents insurance claims in the preceding 5 years. However customers who have up to 2 claims may still qualify for the reduced No Claim Bonus.

+ - Discounts may not be applied to any flood component of the premium (if applicable).

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 (Allianz). We do not provide any advice on this insurance based on any considerations of your objectives, financial situation or needs. Policy terms, conditions and exclusions apply. Before making a decision about it please consider the product disclosure statement (PDS) and any applicable Supplementary Product Disclosure Statement available by contacting Ansvar Insurance on 1800 729 513.

If you purchase this insurance cover, Ansvar Insurance will receive a commission that is a percentage of the premium depending on the product. Ask us for more details before we provide you with any services on this insurance.

Ansvar Insurance does not guarantee or accept liability for any products offered by Allianz.

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