Home & Contents Insurance
- 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
|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|
Contents benefits paid as part of your contents sum insured
|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|
|Emergency accommodation for pets||
|Up to $5,000||Up to $5,000|
|Funeral expenses||Up to $10,000||Up to $10,000|
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
|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|
(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
|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
|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|
|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.
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
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?
Our cover comes with an automatic safety net in case repair or replacement costs are higher than expected1
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
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.
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 building 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.