Home & Contents Insurance
Online Offer
Save up to 25% 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. Plus, save 10% when you combine home and contents at the same address under the one policy.
Why choose Westpac?
Safety net
Our cover comes with an automatic safety net in case repair or replacement costs are higher than expected1
Emergency accommodation
If your home becomes unliveable, we provide emergency accommodation2
Flexible payment options
Manage your budget – pay by the month at no extra cost^
24/7 claims support
We’ll do what we can to help support you every step of the way
Choose from 3 levels of cover
Below is a summary of each cover level. For full details of the terms and conditions, limits and exclusions, read the Home and Contents Insurance Product Disclosure Statement (PDS) (PDF 339KB).
- Compare cover types
- What extra benefits do you get?
- What are your cover limits?
- Optional cover for valuables
- How to save
After an insured event (and sometimes even without one), related expenses and extra benefits are automatically covered.
Home building benefits paid in addition to your building sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| 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 |
| Demolition and removal of debris | Up to 10% of the sum insured | Up to 10% of the sum insured | Up to 10% of the sum insured |
| 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 |
| Rainwater tanks and solar heating |
|
Up to $3,000 | Up to $5,000 |
| Building modifications for paraplegia or quadriplegia | Up to $5,000 | Up to $10,000 |
Home building benefits paid as part of your building sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Emergency repairs and protection | |||
| Professional fees | Up to 10% of the sum insured | Up to 10% of the sum insured | Up to 10% of the sum insured |
| Building laws and regulations | Up to 10% of the sum insured | Up to 10% of the sum insured | Up to 10% of the sum insured |
| Fire brigade and services charges | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Mortgage discharge | |||
| Unsecured renovation materials | Up to $1,000 | Up to $2,000 | |
| Purchasing a home | Up to $20,000 | Up to $20,000 | |
| Gardens and landscaping | Up to $10,000 |
Other building benefits
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Sum insured automatic indexation | |||
| Locks and keys | Up to $1,000 | Up to $2,000 |
Contents benefits paid in addition to your sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| 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 |
| Removal of debris | Up to 10% of the sum insured | Up to 10% of the sum insured | Up to 10% of the sum insured |
| Emergency accommodation | Up to $5,000 | Up to 10% of the sum insured or 12 months whichever is less | Up to 10% of the sum insured or 12 months whichever is less |
| Emergency accommodation for pets | Up to $5,000 | Up to $5,000 | |
| Funeral expenses | Up to $10,000 | Up to $15,000 |
Contents benefits paid as part of your sum insured
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Contents moved permanently to a new property | Up to the sum insured | Up to the sum insured | Up to the sum insured |
| Contents in a commercial storage facility |
|
Up to the sum insured | Up to the sum insured |
| Contents temporarily removed to other places in Australia |
|
Up to 20% of the sum insured | Covered under accidental loss or damage |
| Emergency storage of contents |
|
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 |
| Fire brigade and services charges | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Contents in the open air at the site |
|
Up to $2,000 for storm, flood, theft and up to 20% of the sum insured for other insured events | Covered under accidental loss or damage |
| Computer records |
|
|
Up to $3,000 |
Other contents benefits
| Benefits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Sum insured automatic indexation |
|
|
|
| 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 |
Your building and contents are covered up to your chosen sum insured, except for the contents listed below, which are covered up to the maximum amounts shown.
| Contents with limits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Jewellery and watches | Up to $500 per item/ up to $3,000 per claim | Up to $1,000 per item/ up to $5,000 per claim | Up to $5,000 per item/ up to $20,000 per claim |
| Sporting equipment (excluding bicycles and their fixed accessories) |
Up to $2,000 | No limit | No limit |
| Bicycles and their fixed accessories | Up to $1,000 | Up to $1,500 | Up to $2,000 |
| Electronic audio, visual and computer equipment | Up to $3,000 | No limit | No limit |
You can cover the items above for higher values by adding Personal Valuables cover.
| Contents with limits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| Artworks, collections and collectibles | Up to $3,000 | Up to $10,000 | Up to $20,000 |
You can cover the items above for higher values inside your home by listing them within your Contents Cover (include their total value in your contents sum insured).
| Contents with limits | Essential Care |
Quality Care |
Premier Care |
|---|---|---|---|
| CDs, DVDs, videos, Blu-ray discs, computer games and software | Up to $1,000 | No limit | No limit |
| Unset stones and unattached charms | Up to $500 | Up to $1,000 | Up to $2,000 |
| Unattached accessories and parts for motor vehicles and marine pleasure craft |
|
Up to $750 | Up to $1,000 |
| Money and other negotiable financial documents |
|
Up to $750 | Up to $1,250 |
| Documents |
|
Up to $1,000 | Up to $2,000 |
| Property belonging to visitors |
|
Up to $2,000 | Up to $5,000 at the site |
| Home office equipment |
|
Up to $10,000 | Up to $15,000 at the site/ up to $5,000 elsewhere in Australia |
| Tools and equipment of trade |
|
Up to $2,000 | Up to $3,000 at the site/ up to $1,000 elsewhere in Australia |
Limits on the items directly above can't be increased.
Add optional Personal Valuables for special items to give you extra cover beyond the standard limits – for theft or accidental loss or damage at your home, elsewhere in Australia, and anywhere in the world for up to 90 days.
There are 3 ways to cover personal valuables:
- Specified (list specific items with an individual sum insured)
- Unspecified (any items from the list below which are covered for up to your chosen limits of cover as listed on your policy schedule. You can choose from various levels of cover up to $7,500 in total)
- Combination of both.
Personal valuables items
Clothing and other personal items
- Clothing, toiletries, cosmetics
- Jewellery and watches including SmartWatches (but not unset gems, stones or unattached charms)
- Sunglasses, spectacles, contact lenses
- Wallets, purses, handbags, travel bags, luggage
- Dentures, hearing aids, walking sticks, crutches.
Electronic equipment
- Mobile telephones, electronic diaries and devices and their associated accessories
- Photographic equipment, video cameras, binoculars, telescopes
- Laptops, mobile and portable computing devices and portable data storage devices, calculators, and personal handheld navigational equipment
- Portable battery operated radio, sound and visual entertainment devices
- Portable shavers, portable hair styling equipment.
General household items
- Books, pens, compendiums
- Musical instruments
- Prams, strollers, baby capsules, carriers.
Sporting goods
- Non-motorised sporting equipment, including bicycles (but not firearms)
- Non-motorised water craft up to 4m in length (surfboards, sail boards, surf skis, canoes and kayaks)
- Portable camping and fishing equipment, picnic sets, travel blankets.
There's no extra fee to pay monthly, and you can save on your premium if you qualify for one or more of these discounts:
- No claim bonus
- Combined policy discounts: Building + Contents
- If you have a Westpac Premier Advantage Package home loan (please call or visit us to receive this discount).
Your online quote will automatically include the discounts you're eligible for, unless otherwise stated above.
The cost of your premium is made up of a wide range of factors and some of your choices may also help reduce your premium.
Generally speaking, here's how your choices may affect your premium:
- Choosing a voluntary claim excess. The higher the voluntary claim excess chosen, the lower your premium: $250, $500, $1,000, $2,000, $5,000
- Choosing a lower level of cover e.g. the premium for Quality Care is less than Premier Care
- Your home security features (contents premium):
- Deadlocks, key operated window locks, security grills or bar
- Local or back-to-base alarm
Features and articles
Building Calculator
Underinsurance is when your insured amount isn’t enough to cover the cost of rebuilding your home. Receive an estimate on the cost to rebuild your home at today’s prices using the Home Building Insurance Calculator. The Building calculator available through our websites are intended as a guide
only.
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.
* 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.
1 Safety net of between 5% and 30% of your sum insured, depending on your type of cover.
2 If your home is unliveable we will cover up to $10,000 (under Essential Care Building Insurance) or $5,000 (under Essential Care Contents Insurance) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.
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.