Contents Insurance
Cover your prized possessions if they’re lost, stolen or damaged with Westpac Contents Insurance, provided by Allianz. Tailor your cover to suit your needs and get a quote in minutes, with pre-filled details to make it even easier when you sign in.
Affected by the severe weather?
Support is available for customers who may be impacted by severe weather. If you’re a Westpac Home or Car Insurance customer and need help with a claim, please call 1300 369 989 or submit a claim online.
What is Contents Insurance?
Westpac Contents Insurance, provided by Allianz, covers your personal possessions at your home like furniture, appliances and clothing, as well as your BBQ, outdoor furniture and play equipment.
Why Westpac?
One place for your banking and insurance needs
Keep it simple with Westpac. Organise your insurance and banking in one place.1
Flexible cover and payment options
Tailor your cover to suit your needs and budget, with flexible options and no extra cost to pay by the month.2
Comprehensive cover
Insure your contents for storm damage, floods and bushfires.3
Award winning value... yet again!
Westpac has been recognised with the Canstar Outstanding Value Home, Home & Contents and Contents Insurance awards for a third year in a row.
Benefits for you
Tailor your cover to suit your needs, then adjust it as your needs change.
Cover for the big and small events
- Flood
- Fire or smoke inc. bushfires
- Lightning
- Storm, cyclone, rainwater or run-off
- Impact damage
- Riot or civil commotion
- Earthquake or Tsunami
- Theft or burglary
- Water or liquid damage
- Explosion
- Vandalism or malicious damage
- Accidental breakage of glass or ceramic items
Additional benefits at no extra cost
Get accommodation for you, your family, and your pets if your contents are damaged to the extent that your home can’t be lived in. Your policy also covers debris removal, emergency contents storage, and the property of your guests and domestic workers.
Simple online quote
Find out if you can save. Get an obligation-free quote in 4 minutes and even quicker when you sign in with pre-filled details. You can see how much you'll pay each month or save your quote to complete whenever it suits you.
Already started a quote? Retrieve your quote
Boost your cover with optional extras
For an additional premium, you can add Accidental Damage (including Motor Burnout), Portable Contents or Motor Burnout on its own, and tailor your cover to suit your needs.
Already started a quote? Retrieve your quote
The details on what’s covered
Unsure about what’s included in Home & Contents Insurance? Don’t worry, we’ve got you covered. Visit Understand my cover to learn more about what is and isn’t included.
Tools and calculators
Your home and belongings can change in value over time. Combined with increasing weather-related risks, this can leave some Australians underinsured. Take a few minutes to use these handy insurance calculators and check whether your cover is still right for your circumstances. Calculators are intended as a guide only.4
Frequently asked questions
All insurance policies have exclusions, and these vary depending on the type of cover you choose. For a summary of the exclusions, conditions and limits that may apply to contents insurance visit the Understanding my cover section.
It is important to keep on top of your home repairs to ensure to ensure little things don’t become a bigger issue down the track. For example, if a storm caused water damage to your ceiling, you may not be fully covered if the water entered because your roof was not properly maintained.
You can have a home office, but it’s important to tell Allianz if you plan to use any part of your home as a business premises. If you don’t, Allianz may not pay a claim, in whole or in part, under the policy to the extent permitted by law.
Yes. If you’d like to be covered when you’re using your laptops, tablets, mobile phones, smart watches, or other wearable devices outside your home, you can list them as portable contents under the Portable Contents cover, for an additional cost. Portable Contents does not cover cracked glass or screens when this is the only damage to the item.
Yes. Altering the security on your property may change the conditions of your home insurance, which could affect your premium. You should call Allianz as soon as you remove or stop using any security devices that were specifically required under your policy. If you don’t let them know, and you need to make a claim, your claim may be declined or reduced.
Your contents are covered if they are in a locked storage cage in the basement of the strata title apartment building of the insured address.
Help when you need it
Things you should know
1Policyholders need to ensure their personal details on their policy match with their Westpac accounts. Only primary policyholders can see policies alongside their other Westpac accounts.
2Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
3Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
4The Building and Contents calculators provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate cost to rebuild your home or replace your contents, consider obtaining a professional valuation from a licensed builder or professional valuer.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS), supplementary PDS (if applicable) and Target Market Determination (TMD). To see some of the events covered and not covered, please refer to the Key Facts Sheet (KFS).
Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote online' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz's Privacy Statement and Privacy Policy available on their website.
If you purchase Home and Contents Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
Westpac's Privacy Statement is available at westpac.com.au/privacy/privacy-statement or by calling 132 032 8am - 8pm Sydney time, 7 days. It covers:
- How you can access the personal information Westpac holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
- How Westpac collect, hold, use and disclose your personal information in more detail.