Home and contents insurance

Get protection for your most valuable asset and belongings with a 5-star rated claim service1, 3 levels of cover to choose from to suit your budget, plus no extra fee to pay by the month.

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Essentials

Get flexible home and contents cover options with no extra fee to pay by the month, and an automatic safety net  for extra peace of mind.

  • Comprehensive cover for storm, flood, fire, theft and more
  • Valuable extra cover for emergency accommodation and a sum insured safety net in case repair or replacement costs are higher than expected
  • 5 star claims service, as rated independently in 2013 by LMI Claims Comparison1
  • Optional cover for valuables at home, throughout Australia and worldwide for up to 90 days
  • Make the most of discounts to help save on your premium, including a no claim bonus, multi-policy discounts and more.

Highlights

No matter what level of cover you choose, these events are covered as standard. Of course, like all insurance, some exclusions, limits and conditions apply.

  • Storm
  • Flood
  • Lightning
  • Fire
  • Earthquake
  • Explosion
  • Theft
  • Impact
  • Escape of liquid
  • Malicious acts, riot and civil commotion
  • Legal liability up to $20 million.

Here are some key differences between the 3 levels of cover.

Essential Care Quality care Premier care
  • Theft from inside your locked home with evidence of forced entry
  • Safety net up to 10% of the sum insured for your building, and up to 5% of the sum insured for your contents
  • Cover for jewellery and watches up to $500 per item ($3,000 in total)
  • Cover for artwork up to $3,000.
  • Theft from inside your locked home and up to $2,000 in the open air at the site
  • Safety net up to 20% of the sum insured for your building, and up to 10% of the sum insured for your contents
  • Electrical motor burnout
  • Accidental glass breakage
  • Cover for jewellery and watches up to $1,000 per item ($5,000 in total)
  • Cover for artwork up to $10,000.
  • Theft from inside, outside or away from your home
  • Safety net up to 30% of the sum insured for your building, and up to 20% of the sum insured for your contents
  • Electrical motor burnout
  • Accidental glass breakage
  • Accidental loss or damage
  • Cover for jewellery and watches up to $2,000 per item ($10,000 in total)
  • Cover for artwork up to $20,000.

 

Compare the difference on the full list of insured events, additional benefits and contents with cover limits.

Add optional Personal Valuables to any level of cover for items such as jewellery and laptops, to get more than the standard cover limits in and away from home.

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Things you should know
  • 1. LMI Claims Comparison has provided Westpac Home and Contents Insurance with a 5 and 4.5 star claims service rating for Building and Contents claims respectively as at 26/08/2013 (for further information about the rating and the rating scale see www.claimscomparison.com.au). Ratings may change and are only one factor to consider when deciding if this insurance is right for you.

    This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.

Insured events

Compare the differences in cover for these insured events, which are covered up to your chosen sum insured.

This summary of insured events is a reference tool only. For further details of the relevant terms and conditions, limits and exclusions, read the Home and Contents Insurance Product Disclosure Statement (PDF 438kb)

Insured events Essential Care Quality Care Premier Care
Escape of liquid
Yes
except from a shower recess
Yes
Yes
Fire, explosion, earthquake
Yes
fire cover excludes smoke damage where there was no flame at the site
Yes
Yes
Storms, lightning, flood
Yes
storm cover excludes damage to gates, fences and freestanding walls
Yes
Yes
Impact
Yes
Yes
Yes
Theft
Yes
from inside a fully enclosed and locked building at the site provided there's evidence of forced entry
Yes
from inside a fully enclosed and lockable building at the site and up to $2,000 in the open air at the site
Yes
from inside, outside or away from your site.
Malicious acts, riot or civil commotion
Yes
Yes
Yes
$20m legal liability cover
Yes
Yes
Yes
Electrical motor burnout
No
Yes
Yes
Accidental breakage of glass
No
Yes
Yes
Accidental loss or damage
No
No
Yes
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Things you should know
  • This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.

Extras

After an insured event (and sometimes even without one), related expenses and extra benefits are automatically covered.

Home building benefits paid in addition to your building sum insured

Benefits Essential Care Quality Care Premier Care
Sum insured safety netUp to 10% of the sum insuredUp to 20% of the sum insuredUp to 30% of the sum insured
Demolition and removal of debrisUp to 10% of the sum insuredUp to 10% of the sum insuredUp to 10% of the sum insured
Emergency accommodationUp to $10,000Up to 10% of the sum insured or for up to 12 months whichever is lessUp to 10% of the sum insured or for up to 12 months whichever is less
Rainwater tanks and solar heating
No
Up to $3,000Up to $5,000
Building modifications for paraplegia or quadriplegia
No
Up to $5,000Up to $10,000

 Home building benefits paid as part of your building sum insured

Benefits Essential Care Quality Care Premier Care
Emergency repairs and protection
Yes
Yes
Yes
Professional feesUp to 10% of the sum insuredUp to 10% of the sum insuredUp to 10% of the sum insured
Building laws and regulationsUp to 10% of the sum insuredUp to 10% of the sum insuredUp to 10% of the sum insured
Fire brigade and services chargesUp to $5,000Up to $5,000Up to $5,000
Mortgage discharge
No
Yes
Yes
Unsecured renovation materials
No
Up to $1,000Up to $2,000
Purchasing a home
No
Up to $20,000Up to $20,000
Gardens and landscaping
No
No
Up to $10,000

Other building benefits

Benefits Essential Care Quality Care Premier Care
Sum insured automatic indexation
Yes
Yes
Yes
Locks and keys
No
Up to $1,000Up to $2,000

Contents benefits paid in addition to your sum insured

Benefits Essential Care Quality Care Premier Care
Sum insured safety netUp to 5% of the sum insuredUp to 10% of the sum insuredUp to 20% of the sum insured
Removal of debrisUp to 10% of the sum insuredUp to 10% of the sum insuredUp to 10% of the sum insured
Emergency accommodation Up to $5,000Up to 10% of the sum insured or 12 months whichever is lessUp to 10% of the sum insured or 12 months whichever is less
Emergency accommodation for pets
No
Up to $5,000Up to $5,000
Funeral expenses
No
Up to $10,000Up to $15,000

Contents benefits paid as part of your sum insured

Benefits Essential Care Quality Care Premier Care
Contents moved permanently to a new property
Yes
Yes
Yes
Contents temporarily removed to other places in Australia
No
Up to 20% of the sum insuredCovered under accidental loss or damage
Emergency storage of contents
No
Up to 10% of the sum insured or for up to 12 months whichever is lessUp to 10% of the sum insured or for up to 12 months whichever is less
Fire brigade and services chargesUp to $5,000Up to $5,000Up to $5,000
Contents in the open air at the site
No
Up to $2,000 for storm, flood, theft and up to 20% of the sum insured for other insured eventsCovered under accidental loss or damage
Computer records
No
No
Up to $3,000

Other contents benefits

Benefits Essential Care Quality Care Premier Care
Sum insured automatic indexation
Yes
Yes
Yes
Frozen food loss
No
Up to $500Up to $2,000
Credit card loss
No
Up to $1,000Up to $5,000
Contents in transit
No
No
Up to 20% of the sum insured
Veterinary expenses
No
No
Up to $500
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Things you should know
  • This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.

Limits

Your building and contents are covered up to your chosen sum insured, except for the contents listed below, which are covered up to the maximum amounts shown.

Contents with limits Essential Care Quality Care Premier Care
Jewellery and watchesUp to $500 per item/ up to $3,000 per claimUp to $1,000 per item/ up to $5,000 per claimUp to $2,000 per item/ up to $10,000 per claim
Sporting equipment (excluding bicycles)Up to $2,000No limitNo limit
BicyclesUp to $1,000Up to $1,500Up to $2,000
Electronic audio, visual and computer equimentUp to $3,000No limitNo limit

You can cover the items above for higher values by adding Personal Valuables cover.

Contents with limits Essential Care Quality Care Premier Care
Artworks, collections and collectiblesUp to $3,000Up to $10,000Up to $20,000

You can cover the items above for higher values inside your home by listing them within your Contents Cover (include their total value in your contents sum insured).

Contents with limits Essential Care Quality Care Premier Care
CDs, DVDs, videos, Blu-ray discs, computer games and softwareUp to $1,000No limit No limit 
Unset stones and unattached charmsUp to $500Up to $1,000 Up to $2,000
Unattached accessories and parts for motor vehicles and marine pleasure craft
No
Up to $750Up to $1,000
Money and other negotiable financial documents
No
Up to $750Up to $1,250
Documents
No
Up to $1,000Up to $2,000
Property belonging to visitors
No
Up to $2,000Up to $5,000 at the site
Home office equipment
No
Up to $10,000Up to $15,000 at the site/ up to $5,000 elsewhere in Australia
Tools and equipment of trade
No
Up to $2,000Up to $3,000 at the site/ up to $1,000 elsewhere in Australia

Limits on the items directly above can't be increased.

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    1300 650 255

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Things you should know
  • This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.

Valuables

Add optional Personal Valuables for special items to give you extra cover beyond the standard limits – for theft or accidental loss or damage at your home, elsewhere in Australia, and anywhere in the world for up to 90 days.

There are 3 ways to cover personal valuables:

  • Specified (list specific items with an individual sum insured)
  • Unspecified (any items from the list below which are covered for up to $1,000 per item and $5,000 in total)
  • Combination of both.

Personal valuables items

Clothing and other personal items

  • Clothing, toiletries, cosmetics
  • Jewellery and watches (but not unset gems, stones or unattached charms)
  • Sunglasses, spectacles, contact lenses
  • Wallets, purses, handbags, travel bags, luggage
  • Dentures, hearing aids, walking sticks, crutches.

Electronic equipment

  • Mobile telephones, electronic diaries and devices and their associated accessories
  • Photographic equipment, video cameras, binoculars, telescopes
  • Laptops and portable computers, calculators, personal handheld navigational equipment
  • Portable battery operated radio, sound and visual entertainment devices
  • Portable shavers, portable hair styling equipment.

General household items

  • Books, pens, compendiums
  • Musical instruments
  • Prams, strollers, baby capsules, carriers.

Sporting goods

  • Non-motorised sporting equipment, including bicycles (but not firearms)
  • Non-motorised water craft under 4m long (surfboards, water skis, etc)
  • Portable camping and fishing equipment, picnic sets, travel blankets.
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    1300 650 255

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Things you should know
  • This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.

How to save

There’s no extra fee to pay monthly, and you can save on your premium if you qualify for one or more of these discounts:

  • No claim bonus: for making no claims for 1 or more years
  • Multi-cover discounts: Building + Contents
  • Choosing a higher claim excess: $250, $500, $1,000, $2,000, or $5,000
  • Choosing a lower level of cover e.g. Quality Care rather than Premier Care
  • Home security features (Contents premium):
    • Deadlocks, keyed window locks, security screens and/or bars
    • Local or back-to-base alarm
  • Your age, if you’re 50-59, or 60 and over
  • If you have a Westpac Premier Advantage Package home loan (please call or visit us to receive this discount).

Your online quote will automatically include the discounts you’re eligible for, unless otherwise stated above.

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    Get started online

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    1300 650 255

    8am-8pm, Mon - Fri
    (Sydney time)

Things you should know
  • This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. However, the Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the  Product Disclosure Statement (PDS) (PDF 438kb)  to see if it’s right for you.