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Essentials

Get 3 flexible levels of home insurance (building only) cover with no extra fee to pay by the month, and an automatic safety net for more peace of mind.

  • Save 15% off your annual premium for the first year when you apply online and enter the promotional code COVER
  • Comprehensive cover for storm, flood, fire, theft and more
  • Valuable extra cover included for emergency accommodation and a sum insured safety net in case repair or replacement costs are higher than expected
  • Lifetime guarantee on authorised (and arranged) repairs
  • Make the most of discounts to help save on your premium, including a no claim bonus, combined policy discount and more.

Are you today’s winner?

Buy a new Building insurance policy and you’ll automatically go in the draw to win back your first year’s premium*. Ends 8 December.

Get a quote


Highlights

No matter what level of cover you choose, these events are covered as standard. Of course, like all policies, 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
  • Removal of debris
  • Emergency accommodation up to $10,000
  • Safety net up to 10% of the sum insured for your building.
  • Removal of debris
  • Emergency accommodation up to 10% of the sum insured or for up to 12 months, whichever is less
  • Safety net up to 20% of the sum insured for your building
  • Electrical motor burnout
  • Accidental glass breakage.
  • Removal of debris
  • Emergency accommodation up to 10% of the sum insured or for up to 12 months, whichever is less
  • Safety net up to 30% of the sum insured for your building
  • Electrical motor burnout
  • Accidental glass breakage
  • Accidental loss or damage.

Compare the differences on the full list of insured events and 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 net Up to 10% of the sum insured Up to 20% of the sum insured Up to 30% of the sum insured
Demolition and removal of debris Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Emergency accommodation Up to $10,000 Up to 10% of the sum insured or for up to 12 months whichever is less Up to 10% of the sum insured or for up to 12 months whichever is less
Rainwater tanks and solar heating

 

Up to $3,000 Up to $5,000
Building modifications for paraplegia or quadriplegia   Up to $5,000 Up 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

 

 

 

Professional fees Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Building laws and regulations Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Fire brigade and services charges Up to $5,000 Up to $5,000 Up to $5,000
Mortgage discharge  

 

 

Unsecured renovation materials

 

Up to $1,000 Up to $2,000
Purchasing a home

 

Up to $20,000 Up to $20,000
Gardens and landscaping

 

 

Up to $10,000

Other building benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation      
Locks and keys   Up to $1,000 Up to $2,000

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
  • 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.

The cost of your premium is made up of a wide range of factors and some of your choices may also help reduce your premium.


Generally speaking, here's how your choices may affect your premium:

  • Choosing a voluntary claim excess. The higher the voluntary claim excess chosen, the lower your premium: $250, $500, $1,000, $2,000, $5,000
  • Choosing a lower level of cover e.g. the premium for Quality Care is less than Premier Care
  • Your home security features (contents premium):
    • Deadlocks, key operated window locks, security grills or bar
    • Local or back-to-base alarm
Things you should know

Cover is subject to your application for insurance being accepted.
 

* For eligible policies purchased between 12am AEDT on 13/11/2017 and 11:59pm AEDT 08/12/2017, up to the maximum value of $5,000. View full terms and conditions. Promotion opens 12am AEDT on 13/11/17 and closes 11.59pm AEDT on 08/12/2017. Entry is open to all Australian residents aged 18 years or over. Westpac Group employees and contractors are not eligible to enter. To enter the promotion, successfully purchase a policy under any of the following Westpac products: Westpac Home and Contents Insurance, Westpac Landlord Insurance and Westpac Motor Insurance (each an “Eligible Policy”). Winners are drawn daily at random at 11am at Level 11, 200 Barangaroo Avenue, Sydney NSW 2000. Winners notified in writing or via phone and their names will be published in the Public Notices section of The Australian Newspaper on 01/12/2017 and 15/12/2017. The promoter is Westpac General Insurance Limited, ABN 99 003 719 319. Authorised under trade promotion permits: NSW Permit No LTPS/17/19464, ACT Permit No TP17/02229, SA Permit No T17/2101.

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 102KB)

Home and Contents Product Disclosure Statement (applicable to policies initially issued on or after 26 October 2015 or current policies last renewed on or after the 08 August 2016) (PDF 11MB)
 

View the Home and Contents Insurance Key Fact Sheets.

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141 distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 11MB) to see if this insurance is right for you.