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Essentials

Buy online and save 10% off your annual premium in the first year with promotional code COVER. Save an additional 10% for combining your Home and Contents insurance on the one policy. Both discounts automatically applied at checkout.

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

  • Buy online and save 10% off your annual premium in the first year with promotional code COVER
  • 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
  • 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, combined policy discount 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 Premium Care
  • For contents cover, theft is only covered if the theft occurs from inside a locked building at the site and only where there is 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.
  • For contents cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site and for up to $2,000 for items that were 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.
  • For contents cover, theft is covered if the theft occurs 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 $5,000 per item ($20,000 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.

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

Contents benefits paid in addition to your sum insured

Benefits Essential Care
Quality Care
Premier Care
Sum insured safety net Up to 5% of the sum insured Up to 10% of the sum insured Up to 20% of the sum insured
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 $5,000 Up to 10% of the sum insured or 12 months whichever is less Up to 10% of the sum insured or 12 months whichever is less
Emergency accommodation for pets   Up to $5,000 Up to $5,000
Funeral expenses   Up to $10,000 Up 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 Up to the sum insured Up to the sum insured Up to the sum insured
Contents in a commercial storage facility

 

Up to the sum insured Up to the sum insured
Contents temporarily removed to other places in Australia

 

Up to 20% of the sum insured Covered under accidental loss or damage
Emergency storage of contents

 

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
Fire brigade and services charges Up to $5,000 Up to $5,000 Up to $5,000
Contents in the open air at the site

 

Up to $2,000 for storm, flood, theft and up to 20% of the sum insured for other insured events Covered under accidental loss or damage
Computer records

 

 

Up to $3,000

Other contents benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation  

 

 

Frozen food loss   Up to $500 Up to $2,000
Credit card loss   Up to $1,000 Up to $5,000
Contents in transit  

 

Up to 20% of the sum insured
Veterinary expenses  

 

Up to $500

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 watches Up to $500 per item/ up to $3,000 per claim Up to $1,000 per item/ up to $5,000 per claim Up to $5,000 per item/ up to $20,000 per claim
Sporting equipment (excluding bicycles) Up to $2,000 No limit No limit
Bicycles Up to $1,000 Up to $1,500 Up to $2,000
Electronic audio, visual and computer equipment Up to $3,000 No limit No 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 collectibles Up to $3,000 Up to $10,000 Up 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 software Up to $1,000 No limit  No limit 
Unset stones and unattached charms Up to $500 Up to $1,000  Up to $2,000
Unattached accessories and parts for motor vehicles and marine pleasure craft

 

Up to $750 Up to $1,000
Money and other negotiable financial documents

 

Up to $750 Up to $1,250
Documents

 

Up to $1,000 Up to $2,000
Property belonging to visitors

 

Up to $2,000 Up to $5,000 at the site
Home office equipment

 

Up to $10,000 Up to $15,000 at the site/ up to $5,000 elsewhere in Australia
Tools and equipment of trade

 

Up to $2,000 Up to $3,000 at the site/ up to $1,000 elsewhere in Australia

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

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 your chosen limits of cover as listed on your policy schedule. You can choose from various levels of cover up to $7,500 in total)
  • Combination of both.

Personal valuables items

Clothing and other personal items

  • Clothing, toiletries, cosmetics
  • Jewellery and watches including SmartWatches (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, mobile and portable computing devices and portable data storage devices, calculators, and 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 up to 4m in length (surfboards, sail boards, surf skis, canoes and kayaks)
  • Portable camping and fishing equipment, picnic sets, travel blankets.

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
  • Combined policy discounts: Building + Contents
  • 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

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.