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Why choose Westpac Building Insurance?

  • Choose from 3 cover levels so you can get the protection that's right for you
  • We’ll help support you every step of the way
  • Flexible payment options to help manage your budget - pay by the month ^ at no extra cost


Broad cover

We cover a wide range of events – storms, floods, fire, theft and more

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

Peace of mind

Lifetime guarantee on authorised (and arranged) repairs

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.


  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

Save 15% when you quote and buy online*

Protect the things you value most with Westpac building cover, save 15% online with promo code COVER.

Get a quote

Things you should know

Cover is subject to your application for insurance being accepted.

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

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.

*Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save 10% when you combine home and contents at the same address under the one policy.


Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 85KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statements (applicable to policies issued or renewed on or after 1 July 2019) (PDF 339KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019) (PDF 328KB)

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 to see if this insurance is right for you.