Home Insurance

Insure your house, the things inside it, your portable contents or your investment property. With products and options to tailor your cover, you can select the right product for you.

Buildings & Contents

Save up to 10% on your first year’s premium when you purchase a new building and/or contents policy online1,4
Combine your building and contents cover to receive up to 10% discount on your premium 2,4

Buildings

Designed to cover the physical structures that make up your home buildings, including the garage, deck, sheds and more.
Cover against loss or damage caused by fire, storms, earthquake, impact damage, and more

Contents

Designed to cover items at your home, from furniture and white goods, to personal belongings like computers, clothing and shoes.
Cover for contents intended to be kept outside, like your barbeque, outdoor furniture and children’s play equipment up to $2,000 in total.

Renters

Cover for your belongings at your rental property from damage caused by fire, theft and storm.
Covers landlord’s structures or fittings for which you, the tenant, are legally responsible under your lease.

Landlord

Cover for loss or damage caused by an insured event  to your investment property and/or any contents you provide for the tenant’s use
Up to $20 million legal liability cover
Optional cover for rent default and theft by tenant

This is a limited summary of cover only. For full details of the terms, conditions, limits and exclusions about our home insurances please refer to the relevant Home and/or Landlord Product Disclosure Statements (PDS) and any applicable supplementary PDS before making a decision to purchase the insurance. To see some of the events covered and not covered, please refer to the Home Buildings, Home Contents, Landlord Buildings or Landlord Contents Key Fact Sheets (KFS).

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 or Landlord Product Disclosure Statement (PDS), any applicable supplementary PDS and Home Buildings, Home Contents, Landlord Buildings or Landlord Contents key fact sheets also available for reference.

If you purchased home or landlord insurance before 18 November 2019, please refer to the relevant Vital Home InsuranceClassic Home InsurancePrestige Home Insurance and Landlord Insurance Product Disclosure Statements (PDS), any applicable supplementary PDS,  Home or Landlord Buildings or Contents Key Fact Sheets.

Disclaimers

Police Bank Limited and its divisions, Border Bank and Bank of Heritage Isle ABN 95 087 650 799 AFSL/Australian Credit Licence No. 240018 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.borderbank.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

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.

2. Combined

A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building 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.

3. NCB

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 Building 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.