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Outstanding Value Building Insurance

This year, Westpac has been awarded Canstar’s 5-Star Rating for Outstanding Value Home Insurance for the second year in a row! See our awards

Choose from 3 levels of cover

Below is a summary of each cover level. For full details of the terms and exclusions, limits and conditions, read the Product Disclosure Statement. (PDF 339KB)


  Essential Care
Quality Care
Premier Care

Storm, flood, fire, lightning

storm cover excludes damage to gates, fences and freestanding walls


Fire, explosion, earthquake fire cover excludes damage caused by smoke where there was no flame at the site 
Emergency repairs and protection


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
Accidental breakage of glass      
Electrical motor burnout      
Rainwater tanks and solar heating
  Up to $3,000
Up to $5,000
Purchasing a home   Up to $20,000 Up to $20,000
Fire brigade and service changes Up to $5,000 Up to $5,000 Up to $5,000
$20m legal liability cover
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
Malicious acts, riot or civil commotion

To our insurance customers

Find out more


Westpac Group has a new agreement with global insurance specialist, Allianz, to keep supporting our customers with high quality insurance products. Please be assured there are no changes to your existing policy, servicing or claims experience. See our FAQs to learn more. 

Why choose Westpac?

Peace of mind

Lifetime guarantee on authorised (and arranged) repairs

Emergency accommodation

If your home becomes unliveable, we provide emergency accommodation1

You've got a safety net

Automatic safety net in case repair or replacement costs are higher than expected2

Flexible payment options

Manage your budget and pay by the month at no extra cost^

Online offer

Save 15% when you quote and buy online

Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. 


Local consultants with you every step of the way

Allow 15 minutes to lodge your claim online and get instant confirmation. We will reach out in 3 business days to confirm the details and process your claim.


"After the Townsville floods, Westpac really helped me, they’ve rung me to check on me and I know there were so many claims but I didn’t feel like just a number.” 

Merran Matheson, Deputy Principal, Townsville.

Watch Merran's story

Things you should know

^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.

* Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER.

1 If your home is unliveable we will cover up to $10,000 (Essential Care) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation. 

 Safety net of between 10% and 30% of your sum insured, depending on your type of cover.

3 The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer. 

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 your personal objectives, circumstances or needs into account. Read the Product Disclosure Statement to see if this insurance is right for you.