Home insurance cover FAQs

You may have heard people saying insurers use this term as a way of rejecting claims, but it’s actually not true.

An act of God refers to an event that was outside your control, like a natural disaster.

Did you know? The term ‘act of God’ isn’t used in insurance policies in the UK anymore.

In fact, UK insurers don’t exclude losses or damage caused by natural disasters… so your cover will include things like fire, floods and earthquakes.

Your Allianz Home Insurance provides cover for money in your home – check your policy documents to see the limit that applies.

If you want to cover any cash you have on you when you’re away from home, you’ll need to add our personal belongings cover.

Top tip: We don’t cover cash that belongs to your business.

You'll need to let us know the type of work carried out from your home so we can let you know if any additional terms apply.

Clerical work from the home would be classed as 'Office use without visitors' and you should still tell us about it. This could include secretarial tasks, for example, and duties like typing, emailing, answering phone calls and taking messages.

An example of ‘other business use’ would be if you run a beauty therapy business from your home or you have a room for tutoring.

You should also let us know if you work from an outbuilding, such as a detached garage.

Laptops and mobile phones used in the home are automatically covered by our contents insurance.

If you’d like your laptop to be covered away from the home, you’ll need to add ‘personal belongings’ to your policy (this is already included up to £2,000 with our policy). If the laptop’s worth more than £2,000 it will need to be listed separately.

'Trace and access' covers the cost of removing and replacing any part of the building to find the source of a water or oil leak from any fixed tank, appliance or pipe causing damage.

It doesn’t cover the cost of repairing the tank, appliance or pipe itself.

Our policies don’t all offer trace and access cover and there are differing policy limits – please see your insurance documents for more information and limits that apply.

Compare our home insurance policies to find out which level of cover is best for you

Yes,   if you get a burst pipe at home, we do everything we can to put things right.

To make a claim, please call our claims team.

Calls will be recorded.

You can add them to the personal belongings section of your contents insurance, which covers accidental loss or damage to your personal items (like jewellery, handbags, mobile phones, laptops and tablets). Your items will be covered anywhere worldwide.

The minimum level of cover we provide under personal belongings is £1,000 with no single item worth more than £2,000. Any item worth more than this will need to be specified on your policy.

Good to know: personal belongings are already included up to £2,000 with Gold our policy.

Yes, with Allianz Home Insurance, we'll pay 50% of the cost to replace any undamaged item if it’s part of a matching set.

For example, if your sofa’s water damaged and unrepairable, we’ll replace it and give you 50% of the cost towards a matching armchair.

We can cover an annexe as long as your main home is also insured with us. It would need to have the same postal address as your home and be occupied by a member of your family. We just need to update the total number of bedrooms and bathrooms at the property to include the annexe.

If it has a separate postal address, is completely detached from the main home or is lived in by someone that’s not a member of your family, we won't be able to cover it.

If you have enhanced accidental damage cover, you can claim on your home insurance to repair or replace a damaged sofa. This is for things like spilling a cup of coffee on a cream suite. Our Gold policy includes this cover as standard.

Good to know: our home insurance covers your sofa for damage caused by things like fire and flood automatically.

We cover musical instruments in the home on all of our contents policies. If you need cover away from the home, please make sure you’ve included personal belongings cover on your policy. 

Just so you know: this covers personal use only; if you play professionally, we won’t be able to cover your instruments.

We don't insure properties that have paying guests. If you’re an existing customer, please email us and we’ll get back to you to see what we can do.

We’ll cover your contents while they’re in storage with no additional cost under the following conditions:

You need to email to let us know so we can update your policy. 

We’ll only provide cover if a professional storage company is used.

We can provide goods in storage cover for a maximum of 12 months.

We’ll include accidental damage cover to contents in storage if you’ve added enhanced accidental damage on your contents policy (this option can be added at any time).

Home insurance is for one-off events like a storm, fire, flood or theft so it’s possible you’d be covered for a leak in your roof if the damage was caused by one of these things.

What home insurance typically doesn’t cover is the cost of routine maintenance needed to keep your home in a good condition. In other words, if the damage is caused by gradual wear and tear over time, you wouldn’t be covered.

A leaky roof can be caused by any number of things and you can reduce the problem by looking after it properly, having it checked regularly and keeping it in good working order.

Every Allianz home insurance policy covers both your buildings and your contents and your hearing aids are automatically covered in the home. However, the cover does not include loss (either in your home or garden) so take extra care to keep track of them and keep them safe.

We also offer an optional extra called personal belongings away from home, which covers possessions like hearing aids when you take them out and about with you. They’ll even be covered for loss in the home or garden, you just have to specify any items worth over £2,000 you want covering.

We provide cover for your bicycles in the home and you'll automatically get cover up to £350 for bicycles away from the home. This is limited to £350 in total for all of your bicycles.

You’ll need to list any bicycles and accessories worth over £350 in all.