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Household insurance

Allianz My Home

Choose from 3 packages the best solution
for your 4 walls!

The benefits of Allianz Household insurance

3 packages – 1 choice

We offer special package solutions for your flat or house.

All-risk insurance included

We also insure against damage caused by clumsiness.

Assistance helps 24/7

We provide quick and reliable assistance when you need it.

Gross negligence incl.

We also provide cover if the duty of care has been breached.
This English translation exclusively serves informational purposes. Solely the German version is binding.

The 3 packages: All the benefits
of our household insurance

Allianz household insurance provides financial cover for property damage to home contents and installations against the risks insured in the Basic, Smart and Max packages.

Including personal and sports liability, gross negligence and My Home Assistance as a fixed component in all packages.

Allianz household insurance: protection for your balcony power station

Protect your investments in renewable energies with Allianz household insurance. Our special energy package offers you protection for balcony power plants located in or on the building and on the insured property. With a sum insured of € 20,000, your balcony power station is optimally protected.

Advantages of Allianz household insurance with energy package:

  • Comprehensive protection: cover for damage to balcony power plants.
  • Flexibility: Individually customisable sums insured.
  • Reliability: Trust in the many years of experience and security of Allianz Austria.

We offer various customised solutions for all-round protection. Please contact an Allianz advisor for more information. Allianz Austria - your reliable partner for comprehensive household insurance cover.

Comprehensive protection for swimming pools and whirlpools

Allianz Pool-Paket

With the Allianz pool package for household insurance, we offer you comprehensive cover for your swimming pools (pools) and whirlpools. Insure your facilities up to a sum of € 20,000 and enjoy carefree days in your home.

Why the Allianz Pool Package?

  • Comprehensive cover for pools and whirlpools
  • Flexibility in the choice of sum insured
  • Put your trust in the expertise and reliability of Allianz Austria

Find out more about our pool insurance and how you can optimally insure your swimming pools and whirlpools. Contact an Allianz advisor for more information.

My Home Assistance

A small mishap or an unexpected technical defect can happen quickly. Then you need help quickly because every minute counts.

Examples:

  • The key to your flat breaks off in the lock or you lock yourself out of the flat.
  • A burst water pipe or a heating fault occurs on a Sunday of all days.


Many emergencies - one solution: My Home Assistance is there for you around the clock. Whenever and wherever you need help. Give us a call and our handyman and repair network will be on hand to provide you with active support.

What does household insurance cost?

There is no generalised answer as to how high the premium for your household insurance will be. Insurers assess the individual risk of loss events. Many factors influence this risk and therefore also the amount of the annual premium.
  • Size of the living space
  • Value of the furnishings
  • Deductible selected or not
  • Insured risks depending on the package selected
  • Optional additional cover

Choosing the right insurance for your home

Julia and Daniel are studying at university and have moved into a small rented flat together. As they pay the rent with their part-time jobs, they are considering whether they need household insurance at all. Apart from their notebooks, they hardly own any valuable items.

However, they think about the possible consequences of a fire in their home or water pipe damage. They may have to pay compensation or cover the costs of the damage out of their own pocket. They therefore decide to take out household insurance with Allianz with the SMART package.

Pet insurance: Comprehensive cover for your dog or cat

Even our four-legged neighbours are not immune to illness and accidents. Allianz's Petplan pet insurance ensures that your dog or cat receives the best possible treatment. After all, the recovery of your beloved pet should not fail due to vet costs.

When does pet insurance help?

Depending on the package selected, Petplan covers the costs of treatment and operations for accidents and illnesses up to a certain compensation limit.

How does pet insurance help?

Find out more about our pet insurance

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Frequently asked questions about household insurance

Household insurance covers property damage to the contents of the home as well as compensation obligations arising from statutory liability provisions.
If you move, the premium for your household insurance must be adjusted. During the move, your belongings are insured against road accidents if you drive yourself. The prerequisite is that you inform us of your new address before you move house.
It is not compulsory to take out household insurance in Austria. However, it is highly recommended because it covers damage to your household caused by events such as fire, burglary, vandalism, storms or water damage. Without insurance, you would have to bear these costs yourself. In addition, personal and sports liability insurance covers damage that you accidentally cause to others, e.g. if you live in a rented flat and accidentally cause water damage in a neighbouring flat.
In Allianz Mein Zuhause, your dog is also insured under the personal and sports liability insurance if it is specified in the insurance certificate. This covers you against damage caused by the dog to other people.
Photovoltaic systems - including so-called balcony power plants - can be optionally insured with Allianz Mein Zuhause. They can also be insured with Allianz with additional electrical appliance insurance.
Household insurance is suitable for a rented flat. It covers the value of the insured contents in the event of damage caused by contractually insured events.
Household insurance covers the contents of your home. homeowners insurance covers damage to the building and outbuildings such as the garage or shed on the property.
The cost of insuring the contents of the flat shall be borne by the tenant.

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

 

Property damage caused by storm, hail, snow pressure, roof avalanches, rockfall, landslide, radioactive isotopes, high water, flooding, mudslides, avalanches or avalanche air pressure and earthquakes.

Personal and sports liability insurance covers the insured person's liability for damages as a private individual arising from the risks of everyday life (lump sum insured from € 5,000,000) and applies worldwide.

This also includes dog liability (for a registered dog), loss of receivables insurance, as well as cover for babysitting and au pairing, non-commercial tourist accommodation and undeveloped property.

Excluded are risks associated with business, professional or commercial activities.

The insurance cover applies to spouses or partners living with you in the same household, parents and your underage children up to the age of 25.

 

Covers costs for emergency services, such as building services, electricians, plumbers

These include clearing, disposal and cleaning costs.

Burglary, e.g. through unauthorised use of code keypads or fingerprints.

By choosing a deductible, you can significantly reduce your annual premium.