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Is online self-service home insurance right for you?
Why choose our home insurance?
Home Emergency, Home Legal and Accidental Damage cover
If you have our Allianz Online Gold level of cover, you'll have this included as standard. If you have our Allianz Online Silver or Bronze cover level, you can add it to your policy.
24-hour UK emergency helpline
We're here for you 24 hours a day, seven days a week. So, if you need help in a hurry, just give us a call and we'll take it from there.
Manage your claim online
Stay in control by using your Allianz account to check, change and update your policy at a time that suits you.
We're one of the world's leading insurers
You'll have peace of mind that you're in safe hands with one of the world's leading insurers. We've got you covered.
£350 bike cover is always included
You'll get £350 of cover for your bike included with all our cover levels. So, no matter what policy you have, your bike's covered.
We're Defaqto 5-star rated
Defaqto have given our Allianz Online Gold and Silver Home Insurance 5 stars - their highest rating.
Check out our Allianz Online Insurance customer reviews
Cover included for your peace of mind
Alternative accommodation
We'll pay towards somewhere to stay if repairs mean you can't stay home after a claim.
Escape of
water or oil
Leaks from any fixed tank, domestic appliance or pipe.
Theft or
attempted theft
Including theft from outbuildings (see 'policy limits' for the amount covered).
Storm & Flood
Damage to your property caused by storm or flood.
Vandalism
Including riots, civil unrest, strikes, labour or political disturbances.
Fire
Resultant smoke damage, lightning, explosion or earthquake.
Compare our 3 levels of home insurance cover
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Allianz Online Bronze
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Allianz Online Silver
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Allianz Online Gold
Buildings & contents home insurance that covers the basics
- Rebuild your happy place with £500,000 buildings cover if your home’s damaged.
- Somewhere to stay with £30,000 for accommodation, if repairs mean you can't stay home after a claim.
- Your contents covered up to £50,000.
- Add: enhanced accidental damage to cover unexpected mishaps (think DIY and children).
- Add: personal belongings away from home to cover your things when you’re out and about.
- Add: bicycles away from home to cover bikes against accidental loss, damage and theft.
Home insurance that offers more cover and you can tailor to suit you
- Rebuild your happy place with £1 million buildings cover if your home’s damaged.
- Somewhere to stay with £75,000 for accommodation, if repairs mean you can't stay home after a claim.
- Your contents covered up to £100,000.
- Add: enhanced accidental damage to cover unexpected mishaps (think DIY and children).
- Add: personal belongings away from home to cover your things when you’re out and about.
- Add: bicycles away from home to cover bikes against accidental loss, damage and theft.
Our highest level of home insurance and more included as standard
- Rebuild your happy place with £1 million buildings cover if your home’s damaged.
- Somewhere to stay with £100,000 for accommodation, if repairs mean you can't stay home after a claim.
- Your contents covered up to £150,000.
- Included: enhanced accidental damage to cover unexpected mishaps (think DIY and children).
- Included: personal belongings away from home to cover your things when you’re out and about.
- Included: bicycles away from home to cover bikes against accidental loss, damage and theft.
- Included: Home Emergency to make sure you get extra quick assistance in an emergency.
- Included: Legal Expenses if you need to pursue a legal dispute such as a boundary issue, employment contract issue and even personal injury.
Increase your cover with our home insurance optional extras
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Home emergency
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Home legal expenses
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Enhanced accidental damage
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Bicycles away from home
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Personal belongings away from home
For £48 or less
No one wants a hefty bill to fix heating emergencies, unexpected roofing problems or pest infestations, so with this additional cover, we’ll arrange approved tradespeople to help when you need it most. You'll be covered for repairs up to £1,000 per emergency, and you won’t even have to pay an excess.
This is included in our Allianz Online Gold Home Insurance policies.
For £28 or less
This optional extra means you’ll have peace of mind with up to £100,000 to cover legal fees and expenses for legal disputes or claiming compensation.
This is included in our Allianz Online Gold Home Insurance policies.
Price varies
Included with Allianz Online Gold Home Insurance policies. This optional extra covers those unexpected mishaps that could lead to real headaches, like DIY accidents, stained carpets or damage caused by children.
Check out our handy article to find out more about our accidental damage cover.
Price varies
Enjoy the ride with up to £350 cover for all your bicycles and cycling accessories. Remember, bikes and gear worth more than £350 will need to be specified on your policy. You can add them to your home insurance to protect against accidental loss, damage and theft away from home.
This is included in our Allianz Online Gold Home Insurance policies.
Price varies
£2,000 of personal belongings cover is automatically included with Allianz Online Gold Home policies, but you can add it to any of our cover levels. So, you'll have peace of mind that your belongings are covered when you take them out and about. Remember, items worth more than £2,000 need to be specified on your policy.
Find out more about insurance for your valuables
What are the different types of home insurance?
Buildings insurance
Buildings insurance covers the cost of repairing or rebuilding your home's structure such as walls, roof and windows and permanent fixtures if damaged by events like fire, flood, or storm, but not the contents inside the property.
To find out more, read our buildings insurance explained article.
Contents insurance
Contents insurance protects your personal belongings inside your home against things such as damage or theft, contents would include items like furniture, Tv’s, and clothing, but not the structure of the property itself.
Whether you’re renting as a tenant or own your home, you’ll want to make sure you have contents insurance. You can also add additional cover for high value items, cover away from your home (for things like your mobile or laptop) and bicycle cover.
To find out more, read our contents insurance explained article.
Landlord insurance
Landlord insurance protects landlords and their properties/contents from things like property damage.
Landlord insurance is different to home insurance and provides more tailored cover for those who are renting out a property to tenants.
What factors affect the price of your home insurance?
When it comes to choosing your policy, cheaper home insurance isn’t always better. It’s important to find cover that fits your needs. Compare home insurance cover and make sure your policy is right for you.
Let’s take a look at some of the factors that make up your premium:
- Building materials: What your home is made of can affect your premium. Different materials can mean different risks.
- Location: If your home is in a flood-prone area, this might affect your insurance premium as there’s a higher chance of claims.
Read our handy article on protecting your home from flooding. - Home security: Security features in your home could mean a lower premium.
- Building type: Bigger homes with more rooms typically have higher rebuilding costs, which can affect your home insurance price.
Find out more about home rebuild costs. - Repair and labour costs: The rising cost of repairing high-tech items can impact the price of your home insurance.
- Number of claims: An increase in claims, due to extreme weather events for example, can affect your home insurance cost.
- Severe weather: We also consider future severe weather and how it might affect our customers.
Check out our full guide on how we work out the cost of your home insurance.
What do you need to give me a home insurance quote?
To get a quick and easy home insurance quote, we’ll ask you for:
- Personal details
This includes your name, address, and contact information. We’ll also need to know about any claims you or anyone living with you have made on your home insurance in the last 5 years. - Property details
You’ll need to provide the details of your property, including the year the property was built, the types of locks you have and the material your walls and roof are made up of. We’ll also need to know if your property has ever experienced flooding. - Your belongings
Your contents need to be insured for the amount that it would cost to replace them as new. You’ll need to tell us about your contents plus valuables, bicycles and personal possessions, including any individual items worth more than £2,000. Learn more about home insurance with valuables.
More about Allianz Online Home Insurance
- Gradual wear and tear.
- Breakdown of household appliances.
- Fences damaged by storm.
You can view your documents in your Allianz account. Request these and other documents in braille, large print or audio format by emailing us.
Home insurance FAQs
We do offer live chat, here's how to access our Live Chat if it doesn't appear for you:
- Click on the blue shield in the bottom left hand corner of the screen.
- Click 'allow all'.
- Click 'confirm my choices'.
- The chat logo will then appear in the bottom right hand corner.
Our Live Chat opening hours are:
Monday to Friday, 8am - 8pm
Saturday and bank holidays, 9am - 5pm
Sunday, 10am - 4pm
Please note you can only access our live chat from our Home Insurance and Car Insurance landing pages, and our Contact Us pages.
Yes, we can offer a quote as long as you know all the details, but we can only insure the property from the date you actually exchange contracts.
Check out our handy article about the buying and selling process.
Every Allianz Online Home Insurance policy covers both your buildings and contents, and your hearing aids are automatically covered in the home. However, the cover does not include loss (either in your home or garden) or accidental damage (unless you have enhanced cover) so take extra care of them and keep them safe.
Enhanced accidental damage can be added to your policy as an optional extra on our Bronze and Silver policies. This is automatically included if you have chosen a Gold policy.
We also offer an optional extra called personal belongings away from home this covers possessions like hearing aids when you take them out and about with you. You can choose to include this on our Allianz Online Home Insurance Silver and Bronze policies. This is automatically included if you have chosen a Gold policy. Your hearing aids will be covered for loss in your home or garden. If you have any items worth more than £2,000, these will need to be specified on your policy.
Underinsurance is when your home insurance policy doesn’t fully cover your buildings and contents up to their true value.
This can happen if you underestimate what your property or your belongings are worth when you get a quote.
To get the right level of cover, you need to make sure your ‘total sum insured’ is enough to cover everything. If not, you might underpay for your premium, leaving your home underinsured.
If this happens and you make a claim, you may have to cover some of the costs yourself.
It’s important your total sum insured is enough to rebuild your home and for all your belongings, or a claim may be rejected. In some circumstances, your policy could be cancelled or ‘voided’ (treated as though it never existed).
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.
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.
Allianz Online Home Insurance covers blocked drains or pipes up to the building’s ‘sum insured’ on the policy.
Home insurance you can trust
Defaqto have given our Allianz Online Gold and Silver Home Insurance 5 stars - their highest rating
We're the world's #1 insurance brand
Allianz is one of the UK’s largest general insurers and part of a global network serving 128 million customers in over 70 countries.*
Thanks to our expert team of over 150,000 employees and 120,000 agents and brokers worldwide, we've reached our highest brand value in our 135-year history – and remained the world’s #1 insurance brand for 7 years running.
We’re proud to be the Worldwide Insurance Partner of the Olympic and Paralympic Movements from 2021 to 2028.
* Including non-consolidated entities with Allianz customers. Updated 13 March 2026 (release of the 2025 Annual Reports).
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