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Outstanding Value Home Insurance

Westpac Home & Contents Insurance has been awarded Canstar's 5-Star Rating for Outstanding Value as well as Mozo's Experts Choice Awards for Exceptional Value and Quality. See our awards


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 609KB).

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 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 benefits paid as part of your contents sum insured

Benefits Essential Care
Quality Care
Premier Care
Sum insured safety net Up to 5% of your sum insured Up to 10% of your sum insured Up to 20% of you sum insured
Removal of debris Up to 10% of your sum insured Up to 10% of your sum insured Up to 10% of yours um insured
Emergency accommodation Up to $5,000 Up to 10% of your sum insured or for up to 12 months whichever is less Up to 10% of your sum insured or for up to 12 months whichever is less

See more about Home Building and Contents extra benefits

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 in total for all items in one claims Up to $1,000 per item/Up to $5,000 in total for all items in one claims Up to $5,000 per item/Up to $20,000 in total for all items in one claims
Sporting equipment
Up to $2,000 in total Up to $3,500 in total Up to $5,000 in total and up to $2,000 for Accidental loss or damage.
Electronic audio, visual and computer equipment Up to $3,000 in total Up to the sum insured Up to the sum insured

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 in total Up to $10,000 in total Up to $20,000 in total

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, consoles and software Up to $1,000 in total Up to the sum insured Up to the sum insured
Unset gems, stones and unattached charms Up to $500 in total Up to $1,000 in total  Up to $2,000 in total
Unattached accessories and parts for motor vehicles and marine pleasure craft

 

Up to $750 in total Up to $1,000 in total
Money and other negotiable financial documents

 

Up to $750 in total Up to $1,250 in total
Documents

 

Up to $1,000 in total Up to $2,000 in total
Property belonging to guests or visitors

 

Up to $2,000 in total Up to $5,000 in total for property located at the insured site only.
Home office equipment including property used in connection with a home office, such as mobile telephones and computer equipment

 

Up to $10,000 in total Up to $15,000 in total for property located at the insured site only/Up to $5,000 in total elsewhere in Australia.
Tools and equipment of trade

 

Up to $2,000 in total Up to $3,000 in total for property located at the insured site only/Up to $1,000 in total elsewhere in Australia.

Limits on the items directly above can't be increased.

You have the option to add optional personal valuables cover for at home and anywhere in Australia, or worldwide for up to 90 days.  Simply add in your items in the quote form.

 

What special items can I cover? 

  • Jewellery - engagement rings, watches and more.
  • Electronic equipment - laptops, photographic equipment, video cameras and more
  • Household items - prams or strollers, musical instruments and more.
  • Sporting goods - surfboards, sailboards, bicycles, portable camping or fishing equipment and more. 
Your personal belongings may be worth more than you think

Have you ever thought about how much your engagement ring, watch, surfboard, TV, laptop, handbag and other items will cost to replace if they were damaged or went missing?

 

Use the Contents Calculator1 to get an estimate on what it will cost to replace your belongings. You will receive a downloadable report which is handy to receive a quote.
 

Top tip: If your valuables fall outside the standard cover limits, you can choose the value of your special items in the quote form. 

 

Learn more about personal valuables cover

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

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

Online offer

Save up to 25% when you quote and buy Home and Contents Insurance 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.

 

 

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.

 

"If I was not insured, I wouldn’t have the money to rebuild. I would have just walked away.” 

Merran Matheson, Deputy Principal, Townsville.

Watch Merran's story

Things you should know

Cover is subject to your application for insurance being accepted.

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).

^ 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 building and contents at the same address under the one policy.

 

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. 

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 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.

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