Insurance

Home and Contents Insurance

Essentials

  • Insure either your home building, home contents or both
  • Combined policy discounts available, including a saving of 10% when combining building and contents on the same policy
  • Ease the premium by paying monthly at no extra cost
  • Option to include Personal Valuables Insurance (cover against accidental loss or damage to valuables in your home or worldwide for up to 90 days).

Choose from 3 levels of cover:

Essential Care – protecting your building and/or contents against loss or damage.

Quality Care – includes Essential Care, but with extra coverage, additional benefits and higher limits of cover for valuables.

Premier Care – includes Quality Care protection, plus cover for accidental loss or damage anywhere in Australia, with more benefits and even higher limits of cover for valuables.

You could qualify for a discount if you:

  • Combine building and contents cover in one policy
  • Are aged over 50 years 
  • Select a higher than standard excess 
  • Qualify for a no claims bonus 
  • Have deadlocks and window locks on your home or a burglar alarm installed.
Things you should know
  • Insurance policies are issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and distributed by Westpac Banking Corporation ABN 33 007 457 141(the Bank). Before making a decision about this insurance, you should consider the Product Disclosure Statement (PDS) and whether it is appropriate for you. The insurance is subject to conditions, limits and exclusions on cover, which are explained in the PDS and your policy schedule. The insurance is not an investment in or deposit with the Bank. No Westpac Group company (other than WGIL) has any liability in connection with the insurance.

Features

We offer three types of contents insurance which offer different levels of protection, depending on your needs.

Compare insurance covers below :

Comparison of 3 levels of insurance cover
Key benefitsEssential Care Quality Care Premier Care 
Fire, storm, flood, burglary and malicious acts

Yes

Yes

Yes 

Electrical motor burnout

No

Motors up to 15 years

Motors up to 15 years

Accidental breakage of glass

No 

Yes

Yes

Accidental loss and damage

No 

No 

Yes

Cover for jewellery and watches1

 Up to $500 per item/
$3,000 in total

 Up to$1,000 per item/
$5,000 in total

 Up to $2,000 per item/
$10,000 in total

Cover for artwork, collections and collectibles

 Up to $3,000

 Up to $10,000

 Up to $20,000

Australia-wide cover for contents under accidental loss

  No

  No

Yes

Cash, cheques and money orders

  No

 Up to $750

 Up to $1,250

Legal liability cover

$20 million

$20 million

 $20 million

Pay by the month at no extra cost

  Yes

Yes

  Yes

Additional benefits and expenses1

Additional benefits and expenses, which arise as a result of the insured events, are listed below. Some additional benefits are paid in addition to the sum insured and some are paid as part of the sum insured.

Additional benefits and expenses1
CoverIncluded in home building (HB) or contents (C) insuranceEssential Care Quality Care Premier Care 
Sum insured safety net HB and C  Yes  Yes  Yes 
Demolition and removal of debris2HB and C Yes Yes Yes
Professional fees3HB Yes Yes Yes
Local and state authority requirementsHB Yes Yes Yes
Emergency repairs and protection3HB Yes Yes Yes
Fire brigade and services charges3HB and C Yes Yes Yes

When purchasing a home3:
Loss or damage to fittings, fixed carpet and window coverings up to $20,000

HB No Yes Yes
Emergency accommodation2HB and C Yes Yes Yes
Loss of rentHB No Yes Yes
External locks and keysHB No Yes Yes
Rainwater tanks3HB No Yes Yes
Unsecured fixtures or materials - renovationsHB No No Yes
Landscaping and garden re-establishment costs3HB No No Yes
Contents in a bank safe deposit box within Australia  No  Yes  Yes 
Emergency storage of contents3C No Yes Yes
Temporary accommodation for pets3C No Yes Yes
Funeral expenses2C No Yes Yes
Frozen food lossC No Yes Yes
Credit card lossC No Yes Yes
Veterinary expensesC No No  Yes
Loss of computer records3C No No Yes
Contents in transitC No No Yes

Unspecified items

Certain items can be covered in a number of ways with our Contents and Personal Valuables Insurance policies.

Under our Contents Insurance, you have automatic limited cover for jewellery, watches, artwork and collectibles which are usually kept in your home. As these items are not listed automatically on your policy, they are referred to as "unspecified items". 

The limits for unspecified jewellery and watches are listed below:

Limits for unspecified jewellery and watches
 Essential CareQuality Care Premier Care  
Limit per item$500$1,000$2,000
Total for all items in a single claim$3,000$5,000 $10,000

If you want additional insurance for these items, take out our Personal Valuables Insurance.

The limits for unspecified artworks and collectibles are listed below.

Limits for unspecified artwork and collectibles
 Essential CareQuality CarePremium Care  
Total for all items in a single claim$3,000 $10,000 $20,000 at the site
$10,000 anywhere in Australia

If you want additional insurance for these items, you can list them in your policy as specified items.

Things you should know
  • 1. Limits and exclusions apply. Refer to PDS. Table applicable to cover dated 21 September 2013 onwards.
  • 2. Paid in addition to your home and/or contents sum insured.
  • 3. Paid as part of your building and/or contents sum insured.
  • This insurance product is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and distributed by Westpac Banking Corporation ABN 33 007 457 141(the Bank). Before making a decision about this insurance, you should consider the Product Disclosure Statement (PDS) and policy wording and whether it is appropriate for you. This policy is subject to conditions, limits and exclusions on cover, which are explained in the PDS policy wording. This policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL as issuer) has any liability in connection with the policy or this information. In some states, the Domestic Workers Compensation cover is issued and guaranteed only by Allianz Australia Insurance Limited ABN 15 000 122 850.

How to claim

How to claim

When something happens to your home and the things you love, we know you’ll want help fast. So making a claim with us is simple.

Step 1: Submit your claim

To claim, simply call us on 1300 369 989 or submit a claim form online.

If you prefer, you can print a Home and Contents Insurance claim form (PDF 155kb) and send it to us with supporting documentation.

Step 2: You also need to...

Advise the police immediately if the damage is malicious, property has been stolen or lost or your home has been illegally entered

Don’t allow anyone to repair the property until we have had a chance to inspect it.

Step 3: Provide us with the following information

We’ll send you a letter confirming your claim and case number, plus any further information or documents we may need you to provide, such as copies of original receipts for items you’re claiming and the police report.

How long does it take to settle a claim?

If no further information is needed, we’ll settle your claim within 10 business days after receiving your documentation.

Like some help?

If you need assistance or want to track your claim, call us on 1300 369 989 and quote your case number.

Things you should know
  • Insurance policies are issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and distributed by Westpac Banking Corporation ABN 33 007 457 141(the Bank). Before making a decision about this insurance, you should consider the Product Disclosure Statement (PDS) and whether it is appropriate for you. The insurance is subject to conditions, limits and exclusions on cover, which are explained in the PDS and your policy schedule. The insurance is not an investment in or deposit with the Bank. No Westpac Group company (other than WGIL) has any liability in connection with the insurance.