Home Insurance
Get protection for your home buildings and your contents by combining buildings and contents covers on the one policy.
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Up to 10% discount on your first year’s premium when purchasing a new policy online1,4
Pay by the month at no extra cost6
Get up to 30% No Claim Bonus discount on your premium3,4
24/7 emergency claims assistance
Option to increase your excess which may reduce your premium5
Call Zobel Insurance on 08 8725 5844 to get a quote now.
Optional Covers
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.
Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors.
Flood cover
Flood cover may be available as an optional cover to your buildings and/or contents. A 72 hour exclusion period applies.
To review the Key Facts Sheets available for Home Buildings and/or Contents cover, click here and here.
This is a summary only. For full details of the terms, conditions, limits and exclusions, please refer to the Home Insurance Product Disclosure Statement (PDS).
If you purchased home insurance before 18 November 2019 , please refer to the relevant, Classic Home, Prestige, Product Disclosure Statement and any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
Disclaimer
Zobel Insurance (SA) Pty Ltd ABN 17 619 757 621 AR No. 1256902 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 Zobel website. 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 A premium discount of up to 10% is applied to your first years premium when you buy a new home insurance policy online including the following optional covers (if applicable); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.
2 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.
3 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 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 Not available when an additional compulsory excess or imposed excess applies. Minimum Premiums apply.
6 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.