Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy.
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 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 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
Save up to 10% on your first year’s premium when you purchase a new policy online. (1,4)
Combine your buildings and contents cover to receive up to 10% discount on your premium. (2,4)
24/7 emergency claims assistance
Pay by the month at no extra cost. (6)
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 buildings and contents insurance policy. For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS), any applicable supplementary PDS and the Home Buildings and Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.
Select the cover to suit your needs.
Effective 16 December 2019
Buildings - What's covered?
Buildings insurance is designed to protect the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.
Contents - What's covered?
Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.
So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.
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, we will only pay up to the amount of your loss or the sum insured, whichever is the lesser - 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 buildings and contents.
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 Home or Landlord Product Disclosure Statement (PDS) any applicable supplementary PDS and Home Buildings or Home Contents key fact sheet/s also available for reference.
If you purchased home or landlord insurance before 16 December 2019, please refer to the relevant National Seniors Classic Home Insurance, Prestige Home Insurance or Vital Home Insurance Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
National Seniors Australia Ltd ABN 89 050 523 003 AR 282736 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.nationalseniorsinsurance.com.au. 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.
1. Online discount
[Home] 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.
[Landlord] A premium discount of up to 10% is applied to your first years premium when you buy a new Landlord insurance policy online including to optional covers if selected; Rent default and Flood. This discount is not applied on renewal.
[Applies to Home & Contents only] A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Buildings 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.
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 Buildings 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.