Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

If the insurer agrees to pay a claim for loss or damage to your contents, they’ll also pay for some additional benefits that directly related to that loss or damage.

Here’s a summary of some of the contents benefits paid in addition to 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
Emergency accommodation for pets   Up to $5,000 Up to $5,000
Funeral expenses   Up to $10,000 Up to $10,000

Contents benefits paid as part of your contents 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

Here’s a summary of some of other contents benefits:

Benefits Essential Care
Quality Care
Premier Care
Spoilage of food and medicine   Up to $500 Up to $2,000
Contents in transit     Up to 20% of the sum insured

All contents are covered up to your chosen sum insured, except for those 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
Artwork, collection 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, 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 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.

Add optional Personal Valuables cover 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)
  • Combination of both.

Personal valuables items

Clothing and other personal items
  • Clothing, toiletries, cosmetics
  • Jewellery 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


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?

14 days cover

At both your current home and your new home when moving permanently to a new home. 

Broad cover

Cover for theft, storms, floods and fire included as standard.

Claim 24/7  

Fast replacement for your personal items if they are lost or stolen

Personal valuables

Optional Personal valuables cover for your prized portable items like laptops, mobile phones, bicycles, jewellery and watches.

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. 

 

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.

 

"After the Townsville floods, Westpac really helped me, they’ve rung me to check on me and I know there were so many claims but I didn’t feel like just a number.” 

Merran Matheson, Deputy Principal, Townsville.

Watch Merran's story

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.

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).

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.

A target market determination has been made for this product. Please visit www.westpac.com.au/tmd for the target market determination.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

Westpac's Privacy Policy is available at westpac.com.au or by calling 132 032. 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.