Helping You with Your Insurance Needs

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

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Why Choose Buildings & Contents Insurance?

 

  • 24/7 emergency claims lodgement
  • Pay by the month at no extra cost6
  • Save up to 10% on your first year’s premium when you quote and buy a new home insurance policy online1,4
  • Combine your building and contents cover to receive up to 10% discount on your premium2,4

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.

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 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.

The better you understand your policy, the easier it will be if you ever have to claim. Below 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. Select the cover to suit your needs (effective 22 February 2021).

Features & Benefits

Buildings & Contents Insurance
Rebuilding and professional fees
If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected
Allianz offers protection for out of the ordinary but devastating events such as fire, storm and burglary.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
Making your buildings environmentally friendly
If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz 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, Allianz 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.
Replacement locks
Allianz 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
Allianz will cover you for loss or damage caused by vandalism or a malicious act.
Debris removal
In addition to your buildings sum insured, Allianz 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
Allianz 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 Claims assistance
When you need to make a claim Allianz are there for you with 24 hour claims lodgment available online, or you can call the claims line to commence the claims process over the phone. Monday to Friday 8:00am and 6:30pm and Saturday 8:00am - 5:30pm AEST
Cover when you’re moving house
Allianz 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).

Buildings & Contents Insurance

Rebuilding and professional fees
If you need to rebuild your home after total loss or damage, Allianz will help pay the reasonable costs of architects, engineers, surveyors and solicitors up to $5,000.
Cover for the unexpected
Allianz offers protection for out of the ordinary but devastating events such as fire, storm and burglary.
Cover for storm damage
Rest easy, within the first 72 hours following a storm, Allianz have got you covered for loss or damage caused by soil movement, landslide, mudslide or subsidence caused by a storm.
Making your buildings environmentally friendly
If your buildings are totally destroyed and need to be rebuilt, in addition to your buildings sum insured, Allianz 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, Allianz 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.
Replacement locks
Allianz 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
Allianz will cover you for loss or damage caused by vandalism or a malicious act.
Debris removal
In addition to your buildings sum insured, Allianz 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
Allianz 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 Claims assistance
When you need to make a claim Allianz are there for you with 24 hour claims lodgment available online, or you can call the claims line to commence the claims process over the phone. Monday to Friday 8:00am and 6:30pm and Saturday 8:00am - 5:30pm AEST
Cover when you’re moving house
Allianz 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

Buildings & Contents Insurance
Apply to add any of these optional covers for an additional premium and greater cover.
Accidental damage
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Portable contents
You can choose optional cover to protect 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
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.
Flood cover
Flood cover may be available as an optional cover added to your buildings and/or contents policy for an additional premium. A 72 hour exclusion period applies.
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.
Apply to add any of these optional covers for an additional premium and greater cover.

Buildings & Contents Insurance

Accidental damage
The accidental damage cover option helps protect you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Portable contents
You can choose optional cover to protect 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
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.
Flood cover
Flood cover may be available as an optional cover added to your buildings and/or contents policy for an additional premium. A 72 hour exclusion period applies.
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.
  • 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.

    Value My Home   Value My Contents

  • How to Claim

    Call Us

     

    Claim Online

    • Simply complete an online claim form and submit at any time.
    • It’ll take about 10 minutes to complete the online claim form and once received, a friendly claims consultant will contact you as soon as possible.

     

    Claim Now
  • Frequently Asked Questions

    What do I do if I need to make a buildings and/or contents insurance claim?

    Do what you reasonably can to prevent further loss, damage or liability. Tell the police as soon as reasonably possible about any malicious damage, theft, attempted theft, burglary or loss of insured property. Contact the Claims Call Centre on 1300 555 030 and advise the Claims Consultant of what has happened: the Claims Consultant will help you through the home and contents insurance claims process. In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

    Am I covered for Flood?

    Flood cover is an option on both Building and Contents in Home and Landlords policies. Please contact us to find out whether you are eligible for Flood cover. For full details of terms, conditions, limits and exclusions of all our home insurance cover options, please refer to the relevant Product Disclosure Statement (PDS) any supplementary PDS and Home Buildings or Home Contents key facts sheet/s.

    I have changed the security on my property – do I need to let you know?

    If you are altering the security on your property you should inform us as it may change the conditions of your home insurance. This may affect your premium. You must tell Allianz as soon as reasonably possible if, during the period of insurance you remove or stop using any security devices that were specifically required by us. If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

    You can also contact Allianz if you want to vary your policy during the period of insurance for any other reason, for example to increase your sums insured or to take out additional cover options that may be available.

    When Allianz receive this information, Allianz may:

    • propose changes to the terms and conditions of your policy
    • charge you a higher premium
    • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because they has been a material change to the risk
    • decide not to offer to renew your policy.

    I’m about to install a new kitchen and renovate my bathroom – should I notify my insurer?

    You should tell Allianz as soon as reasonably possible if during the period of insurance your building is in the course of construction or there are any alterations, additions,demolition, repairs to, or decorations of the buildings costing more than $75,000. If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

    When Allianz receive this information, Allianz may:

    • propose changes to the terms and conditions of your policy
    • charge you a higher premium
    • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we are no longer prepared to insure you because there has been a material change to the risk
    • decide not to offer to renew your policy.

    It is also important that you increase your sum insured to take into account any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

    I have commenced using my home for business purposes – should I notify my insurer?

    You must tell Allianz as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional
    purposes (except for a home office).

    If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

    When Allianz receive this information, Allianz may:

    • propose changes to the terms and conditions of your policy
    • propose to charge you a higher premium
    • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions; or we are no longer prepared to insure you because there has been a material change to the risk
    • decide not to offer to renew your policy.

    What do I do if I rent my home out to tenants?

    If you’re renting all of your home out to tenants, cover is not available under a Home and Contents Insurance policy. Cover is not available for these types of losses under our home and Contents Insurance. If you rent out part of your home while you live at the same address, please contact us so we can determine if you are eligible for this product.

    How much will I be covered for?

    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 – so you should also be careful not to over insure.

    What if I need help choosing the right amount of cover?

    To help you estimate the replacement value of your buildings and/or contents, you can use our Home Buildings and/or Home Contents replacement calculators.

    I run a business from home, can I get cover?

    You must tell us as soon as reasonably possible if, during the period of insurance you start using any part of your home building for business, trade or professional purposes (except for a home office).

    If you don’t provide this information as soon as reasonably possible, Allianz may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

    When Allianz receive this information, Allianz may:

    • propose changes to the terms and conditions of your policy
    • propose to charge you a higher premium
    • cancel your policy if there is a change and we can’t reach an agreement with you on altered terms and conditions; or we are no longer prepared to insure you because there has been a material change to the risk.

    Which option do I need to cover my laptop, tablet, mobile phone or smart watch away from home?

    You can cover laptops, tablets, mobile phones, smart watches and other wearable technology away from the home under the Portable Contents optional cover. These items must be specified on your policy as Listed Portable Contents to be covered under this option. Allianz will not cover cracked glass or screens where this is the only damage to the item.

    Can I cover my bike and other sporting equipment away from home?

    Yes you can cover these under the Portable Contents optional cover as Unlisted Portable Contents. However, these items will not be covered while they are being used.

    How do I know if I have optional covers on my policy?

    You can apply to add these options to your policy when you start or renew it (or during your period of insurance by contacting us. If you’re not sure whether you have added these cover options, you can check your policy schedule.

    Will I be covered if my drone is damaged or stolen within my home?

    Drones and other remotely or autonomously piloted aircraft used for personal use are covered if lost or stolen within your property. They are not covered when in use, used for business or when they are not at the insured address.

  • The Little Details

    Southern Cross Credit Union, ABN 82 087 650 682 AFSL No 241000 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 the Southern Cross Credit Union website. The relevant Target Market Determination is available by calling 1300 360 744. 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 When you quote and buy a new home insurance policy on line 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.

    2 Combined – (Applies to Home & Contents only) 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. This combined discount does not apply to Landlord Insurance policies

    3 No Claims Bonus – 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 Option to Change Your Excess – 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.

Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
As COVID hit some 3 years ago, I approached SCCU to re-align our financial position at both a personal and professional level with our business. Not only were your team receptive but with the assistance of SCCU not only did we make our way through COVID closures, but due to the support of SCCU we have evolved into an extremely sound business, and I would suggest a success story of the community banking that SCCU continues to deliver.
Thank you for the support you offer to us as a local business and us as a local family of the area. Thank you, the entire team, at SCCU for being such an awesome part of the community whilst also being a great business to align with.
Jason
Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.      
Peter & Melissa
We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school
Tony & Alisha
We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
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