Contents Insurance
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 461KB)
| 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 |
To our insurance customers
Find out more in our FAQs
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?
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.
Need more help?
Features and articles
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.
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.