Home Insurance

Q: What does home insurance cover?

Our home insurance offers you comprehensive protection, as gross negligence is already covered as a fixed component in the Basic, Smart and Max packages. In addition, you can choose an optional extension for the Smart and Max packages, which also protects you in the event of damage caused by simple clumsiness.

3 packages – 1 choice: We offer special package solutions for your house.

All-risk cover: We also offer optional insurance for damage caused by clumsiness.

24/7 assistance: We provide fast and reliable help when you need it.

Gross negligence included: We also pay out if the duty of care has been breached.

The advantages of Allianz home insurance at a glance

✓ 3 packages – 1 choice

We offer special package solutions for your home.

✓ All-risk coverage

We also offer optional insurance for damage caused by clumsiness.

✓ Assistance available 24/7

We provide fast and reliable assistance when you need help.

✓ Gross negligence incl.

We also provide services if the duty of care has been breached.

The 3 packages: All services
included in our home insurance

"My Home" is tailored to your individual needs and requirements – you can choose between three packages depending on the level of protection you need.

The selected insurance cover includes the entire building, including foundation and basement walls, foundations, outbuildings, fences and outdoor facilities.

Maximum protection

	Home insurance package BASIC	Home insurance package SMART	Home insurance package MAX

Fire Property damage caused by fire, lightning, explosion, aircraft crash, soot/smoke, radioactive isotopes, scorching and charring damage, and indirect lightning damage.

Storms and extraordinary natural events (including earthquakes) Property damage caused by storms, hail, snow pressure, roof avalanches, rockfalls/rockfalls, landslides, radioactive isotopes, high water, flooding, mudslides, avalanches or avalanche air pressure, and earthquakes.	€ 2,500 for extraordinary natural events	€ 5,000 for extraordinary natural events	€ 10,000 for extraordinary natural events

Liability	€ 5 Mio.	€ 10 Mio.	€ 15 Mio.

Tap water Property damage to building components caused by tap water leakage, i.e. the unintended leakage of tap water from pipes, fittings or connected equipment. Breakage damage refers to damage caused by breakage to insured pipes, regardless of the cause. Seal damage to insured pipes Frost damage to insured pipes, fittings and connected equipment All water-carrying supply and drainage pipes in the insured buildings and associated fittings/connected facilities are insured.	€ 2,000 for pipe replacement outside the building	€ 5,000 for pipe replacement outside the building	€ 10,000 for pipe replacement outside the building

Broken glass Damage caused by breakage to the following insured panes/glazing (including glass-like plastics) is covered: All windows, as well as lead, brass and artificial glazing, glass blocks and skylights in the buildings insured under the insurance policy. Panels of privately used terrace glazing located on the insured property, wind/privacy glazing, staircase glazing, pergolas and covered parking spaces, fencing around the insured property	€ 1.000,-	€ 10.000,-	€ 50.000,-

Burglary Damage caused by simple theft to insured buildings, fences and outdoor facilities is covered.

Visual damage	€ 500,-	€ 5.000,-	€ 10.000,-

Outbuilding	5%	15%	20%

Insured costs	5%	15%	20%

Insurance sums Plus (buildings)	30%	30%	30%

Special hazards (vandalism, overvoltage, short circuit)

Selbstbehalt By choosing a deductible, you can significantly reduce your annual premium.	€ 0, € 200, € 500 or € 1,000 selectable	€ 0, € 200, € 500 or € 1.000 selectable	€ 0, € 200, € 500 or € 1.000 selectable

Optional cover extensions for My Home

Extraordinary natural events (including earthquakes) – increase		max. 50 % of the sum insured, max. € 50,000	max. 50% of the sum insured, max. €200,000

All-risk

Energy package – Photovoltaic system		€ 20,000 respectively € 40,000	€ 20.000,- respectively € 40.000,-

Energy package – Solar power system		€ 20.000,- respectively € 40.000,-	€ 20.000,- respectively € 40.000,-

Energy package – Heat pump system		€ 20.000,- respectively € 40.000,-	€ 20.000,- respectively € 40.000,-

Pool Package		€ 20.000,- respectively € 40.000,-	€ 20.000,- respectively € 40.000,-

Discounts

Sewage backflow valve (-5% Storm Premium)

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ADDITIONAL PRODUCT EXTENSIONS

Optional coverage extensions
for Allianz home insurance

Protection for your photovoltaic, solar and heat pump systems

Protect your investments in renewable energies with the Allianz Energy Home Package. This insurance offers you protection for photovoltaic, solar and heat pump systems that are located in or on the building as well as on the insured property. With sums insured of up to €20,000 or €40,000, you are flexible and well protected.

Why choose the Allianz energy home package?

Comprehensive protection: Covers damage to photovoltaic, solar and heat pump systems.
Security: Place your trust in the expertise and reliability of Allianz Austria.

We offer a range of individual solutions for all-round protection. To find out more, contact an Allianz advisor.

Comprehensive protection for swimming pools and hot tubs

With the Allianz Home Pool Package, we offer you comprehensive protection for your swimming pools and hot tubs. Insure your equipment up to a sum of € 20,000 or € 40,000 and enjoy carefree days in your home.

Why choose the Allianz pool package?

Comprehensive protection for pools and hot tubs
Put your trust in the expertise and reliability of Allianz Austria

Find out more about our pool insurance and how you can optimally protect your swimming pools and hot tubs by contacting an Allianz advisor.

Building insurance

Are you just about to build your own home? We will also insure you during the shell construction phase, and that for two years free of premium!

In addition to the protection for your shell construction, you will also benefit from the household components included free of charge:
insurance protection for tools and building materials up to € 2.000.

Frequently asked questions about Allianz Home Insurance

What does home insurance cover?

Our home insurance offers comprehensive protection and also covers gross negligence in the Basic, Smart and Max packages. These packages reliably protect you against common risks such as fire, natural hazards, tap water leakage, and theft. In addition, you can choose an optional extension for the Smart and Max packages, which also protects you in the event of damage caused by simple clumsiness.

Home insurance also includes home and property liability insurance. This pays for justified and unjustified claims for damages if third parties have suffered damage in connection with your property.

What is the difference between home insurance and household insurance?

Home insurance covers damage to the building itself and to outbuildings such as a garage or tool shed on the property. Household insurance, in turn, insures all movable objects within your home. This includes furniture, electrical appliances, clothing and valuables.

Is home insurance compulsory in Austria?

Taking out home insurance is not mandatory in Austria. However, it is highly recommended because it covers damage to your property caused by events such as fire, storm or tap water. Without insurance, you usually have to bear these very high costs yourself.

In addition, home insurance is often a prerequisite for banks if the property is to be financed with a loan.

Does home insurance pay out in the event of personal negligence?

With Allianz home insurance, you can also protect yourself against personal negligence with the optional additional All-risk cover in the Smart or Max package. This includes also clumsiness.

What is shell insurance?

Shell construction insurance protects a shell construction from the start of construction against dangers such as fire, storm and water. With Allianz home insurance, shell construction insurance is included free of charge for up to 24 months.

What should I do in the event of damage?

Comprehensively document the damage (photos, descriptions, receipts, documents) and keep any damaged items.
Report the damage to your insurance company immediately and provide all the information the insurance company needs. At Allianz, a damage report can be made by phone or online.
Follow the insurance company's procedure, otherwise claims for damages may be lost.
The insurance company assesses the damage and checks the coverage.
A billing proposal for the repair will then be provided as soon as possible.

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