Contents Insurance
Important notice to our customers
Westpac Group has announced an agreement with Allianz to continue to help us provide our customers with general insurance products.
If you are an existing Westpac insurance customer, you may be wondering what this means for you. Our agreement with Allianz means we will be able to continue to support our customers with their insurance needs and there is no change to your current Westpac insurance policy or any claim that may be in progress as a result of this announcement.
See our FAQs to learn more.
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.
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.
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 |
|
|---|---|---|---|
| Storms, lightning, flood | 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 |
||
| Theft | from inside a fully enclosed and locked building at the site provided there's evidence of forced entry | from inside a fully enclosed and lockable building at the site and up to $2,000 in the open air at the site | from inside, outside or away from your site |
| 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 |
| 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, riot or civil commotion |
|||
| Escape of liquid | Except from a shower recess | ||
| Electrical motor burnout | |||
| Accidental breakage of glass | |||
| 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 |
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.
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.