Household insurance for your personal belongings

What is home insurance?

With household insurance, all contents within your flat or house are insured against certain types of property damage. This includes fire damage, storm damage, water damage and burglary damage to furniture, electrical appliances or glass, for example. Allianz household insurance also covers clumsiness and gross negligence. Personal liability insurance is also included.

The benefits of Allianz household insurance

Fire damage

Contents insured in the event of fire,
lightning strike, explosion, etc.

Damage caused by water,
storms and hail

Water pipe bursts, flooding, storms &
extraordinary natural events covered

Damage caused by burglary and vandalism

Stolen valuables & destroyed
furniture after burglary

Private & sports liability
insurance included

Assumption of costs for
(un)justified claims for damages

Optional coverage extensions

Energy package for balcony power plants & pool package for swimming pools and whirlpools

24/7 reliable assistance in emergencies

Round-the-clock support thanks to our
network of tradespeople and repair services

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SERVICE OVERVIEW

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.

Maximum protection

	Household insurance package BASIC	Household insurance package SMART	Household insurance package MAX

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

Storm and extraordinary natural events (incl. earthquakes) 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.	€ 2.500,- for extraordinary natural events	€ 5.000,- for extraordinary natural events	€ 10.000,- for extraordinary natural events

Liability (+1 dog) 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.	€ 5 Mio.	€ 10 Mio.	€ 15 Mio.

Tap water	included	included	included

My home Residential assistance Covers costs for emergency services, such as building services, electricians, plumbers	€ 400,-	€ 400,-	€ 400,-

Glass breakage	€ 1.000,-	€ 5.000,-	€ 10.000,-

Burglary	included	included	included

Frozen goods	€ 400,-	€ 600,-	€ 800,-

Insured costs These include clearing, disposal and cleaning costs.	5%	15%	20%

Special hazards (vandalism, overvoltage, short circuit)	not included	Overvoltage for devices from € 300,-	Overvoltage for devices from € 100,-

Burglary (modern crime) Burglary, e.g. through unauthorised use of code keypads or fingerprints.	not included	not included	Valuables € 1.000,- or Contents of the flat € 10.000,-

Deductible 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 (incl. earthquakes) - increase	not included	max. 50% of the sum insured, max. € 50,000	max. 50% of the sum insured, max. € 200,000

All risk	not included	included	included

Energy package - photovoltaic system	not included	€ 20.000,-	€ 20.000,-

Pool package	not included	€ 20.000,-	€ 20.000,-

Benefits:

Alarm system (-5% household premium)

Security door (-5% household premium)

Outdoor protection (-5% household premium)

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When does household insurance make sense?

Home insurance is a good idea whether you rent or own your home, as it covers all your personal belongings within your own four walls against certain risks. In addition, the included personal liability insurance protects you against justified and unjustified claims for damages.

Checklist for the right home insurance

Insurance sums: Select the amount of insurance sums appropriate to the value of your household contents and valuables.
Covered risks: Consider whether, in addition to conventional risks such as fire, water, storm and burglary, you also want to insure against other risks such as bicycle theft or damage to frozen goods following a power failure.
Excess & discounts: Depending on the excess chosen, the annual premium for household insurance can be reduced. Discounts are also available for existing alarm systems,
security doors and external protection.
Contract & flexibility: The premium amount may vary depending on the payment method and contract term. Consider how flexible you want the insurance contract to be.
Living situation: If you have pets or small children, make sure that they are included in the insurance contract.

ADDITIONAL PRODUCT EXTENSIONS

Optional coverage extensions
for Allianz household insurance

Protection for your balcony power plant

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 coverage of € 20,000, your balcony power plant is optimally protected.

Advantages of Allianz household insurance with energy package:

Comprehensive protection: Cover for damage to balcony power plants.
Flexibility: Individually adjustable insurance sums.
Reliability: Trust in the long-standing experience and security of Allianz Austria.

We offer a range of individual solutions for comprehensive protection. Please contact an Allianz advisor for more information. Allianz Austria – your reliable partner for comprehensive household insurance.

Allianz Pool Package

With the Allianz Pool Package for household insurance, we offer comprehensive protection for your swimming pools and whirlpools. Insure your facilities for up to
€ 20,000 and enjoy carefree days in your home.

Why choose the Allianz Pool Package?

Comprehensive protection for pools and whirlpools
Flexibility in choosing the sum insured
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. Please contact an Allianz advisor for more information.

My Home Assistance

A minor mishap or unexpected technical defect can happen quickly. When it does, you need rapid assistance because every minute counts.

Examples:

The key to your flat breaks off in the lock, or you lock yourself out of your 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. Just give us a call and our network of tradespeople and repair technicians will be there to provide you with active support.

How much does home insurance cost?

The cost of home insurance depends on several factors and can therefore vary greatly.

Size of living space
Value of equipment
Deductible chosen or not
Insured risks depending on the selected package
Optional additional cover

Case study: household insurance

Julia and Daniel are university students who have moved into a small rented flat together. Since they pay the rent with their part-time jobs, they are wondering whether they need household insurance at all. Apart from their laptops, they have hardly any valuable possessions.

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

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Frequently asked questions about household insurance

What does household insurance cover?

Conventional household insurance policies do not cover damage caused by yourself. With Allianz household insurance, you can also insure yourself against your own negligence with the optional Allrisk additional cover in the Smart or Max package. This includes both clumsiness and gross negligence.

Does household insurance cover your own fault?

Conventional home insurance policies do not cover damage that you have caused yourself. Allianz Mein Zuhause is different. With the Smart or Max package, you can also protect yourself against these risks with the optional Allrisk additional cover. Because minor mishaps can happen quickly.

For example:

if you knock the television off the TV stand while vacuuming,
if the children break the expensive floor vase in the living room while playing ball,
if the drill falls into the wash basin while doing DIY and renders it unusable, etc.

Is home insurance compulsory in Austria?

Home insurance is not compulsory in Austria. However, it is highly recommended because it covers damage to your home 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 to a neighbouring flat.

Where does household insurance apply?

Allianz household insurance applies to the premises specified in the insurance policy. These include your flat/house and compartments or rooms in the attic, cellars, sheds, garages and similar areas used exclusively by you or persons living in your household.

What happens to your home insurance when you move house?

If you move, the premium for your household insurance must be adjusted. During the move, your belongings are insured against traffic accidents if you are driving yourself. The prerequisite is that you notify us of your new address before you move house.

What is the difference between household insurance and home insurance?

Home contents insurance covers all movable items within your home. This includes furniture, electrical appliances, clothing and valuables. Home insurance covers damage to the building itself and to outbuildings such as garages or tool sheds on the property.

What should you do in the event of damage?

Document the damage thoroughly (photos, descriptions, receipts, documents) and keep damaged items.
Report the damage to your insurance company immediately and provide all the information they need. With Allianz, you can report damage by telephone or online.
Follow the insurance company's procedure, otherwise you may lose your right to compensation.
The insurance company assesses the damage and checks the coverage.
After that, a settlement proposal for the repair will be provided as soon as possible.

Is my dog covered by my home insurance?

With Allianz household insurance, your dog is covered under your personal and sports liability insurance if it is listed in the insurance policy. This means you are insured against any damage caused by your dog.

OTHER PRODUCTS

Allianz Home Insurance

Insurance for all immovable property in your flat or house
Entire building insured, including ground and basement walls, foundations, outbuildings, fences and outdoor facilities
3 packages and optional extended coverage for photovoltaics, pools, etc.

About Allianz home insurance