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Essentials

Get 3 flexible levels of contents 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 accidental loss or damage, theft, storm, flood, fire 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
  • 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 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
  • 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 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 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 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 is covered if the theft occurs from inside, outside or away from your home
  • Safety net 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 differences on the full list of insured events, extras and contents with cover limits.

Add optional Personal Valuables to any level of cover for items such as jewellery and laptops, and 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.

Contents benefits paid in addition to your contents 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 for up to 12 months whichever is less Up to 10% of the sum insured or for up to 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 contents 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 content 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

All contents are covered up to your chosen sum insured, except for those 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 $3,000 Up to $10,000 Up to $20,000
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 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)
  • Combination of both.

Personal valuables items

Clothing and other personal items

  • Clothing, toiletries, cosmetics
  • Jewellery 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
  • 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.