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Outstanding Value Contents Insurance

This year, Westpac has been awarded Canstar’s 5-Star Rating for Outstanding Value Contents Insurance for the third 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 609KB)



  Essential Care
Quality Care
Premier Care
Storms, lightning, flood storm cover excludes damage to gates, fences and freestanding walls    
Fire, explosion, earthquake


Theft Contents only covered if the theft occurs from inside a fully enclosed and lockable building at the insured site. For Contents cover, theft is covered if the theft occurs from a fully enclosed and lockable building, and for up to $2,000 in the open air at the insured site  
Escape of liquid


excludes loss or damage resulting from liquid escaping from a shower recess





Emergency accommodation Up to $5,000 Up to 10% of the sum insured or the cost of accommodation for up to 12 months in total, whichever is less Up to 10% of the sum insured or the cost of accommodation for up to 12 months in total, whichever is less
Contents moved permanently to a new property Up to the sum insured Up to the sum insured Up to the sum insured
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
$20m legal liability cover      
Fire brigade and service charges Up to $5,000 Up to $5,000 Up to $5,000
Malicious acts and unrest      
Escape of liquid Except from a shower recess    
Electrical motor burnout      
Accidental breakage of glass      
Spoilage of food and medicine   Up to $500
Up to $2,000
Contents in transit     Up to 20% of the sum insured

Why choose Westpac?

Emergency accommodation

If your home becomes unliveable, we provide emergency accommodation1

You've got a safety net

Our cover comes with an automatic safety net in case repair or replacement costs are higher than expected2

Flexible payment options

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

Personal Valuables

Optional additional cover for jewellery, sporting items, computer and entertainment systems. 

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

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.

1 If your home is unliveable we will cover up to $5,000 (Essential Care) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.

2 Safety net of between 5% and 20% 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.

Home and Contents Insurance Product Disclosure Statement (applicable to policies issued on or after the 20 August 2021 or renewed on or after the 5 October 2021) (PDF 609KB)

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

Home and Contents Insurance is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319, which is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz Insurance). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance under a distribution arrangement with Allianz 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.

A target market determination has been made for this product. Please visit for the target market determination.

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