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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 10% 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.

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

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.