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

Understanding Home Insurance

Home Building Calculator

It is your responsibility as a homeowner to determine the total replacement and sum-insured cover for your home. Rebuilding costs generally go up over time and building codes change, the result being if you’ve lived in the same place for a while, the costs associated with rebuilding may have changed significantly.

Find out more

What type of insurance do you need for your home?

Wondering what sort of insurance you need for your place? The insurance that’s right for you will depend on the type of home you have, and whether you own or rent it.

Find out more

First home buyers’ insurance

There’s nothing like getting the keys to your first home - finally the freedom of having your own place. But along with this freedom comes new responsibilities; not the least being making sure you’ve got the right insurance cover in place. And with your home likely to be the biggest purchase you ever make, why wouldn’t you want to make sure you’ve protected your biggest asset?

Find out more

Home renovation and insurance

Before you kick off a renovation, make sure you’ve got your insurance cover sorted so that your home and belongings are protected at all times.

Find out more

Keeping home safe while travelling

Who doesn’t love a holiday? Unfortunately, burglars can be fans of your travel plans as well. And while there are no guarantees you won’t be targeted, these tips can help keep your place safe and secure while you’re away.

Find out more

Tips to prevent water damage

If you have an appliance or fixture that involves water, it has the potential to cause water damage to your property. 

Find out more

How to avoid underinsurance

Underinsurance happens when the amount you have insured your home and/or possessions for isn’t enough to cover the cost of replacing them. A person is likely to be underinsured if their insurance cover is for 90% or less than rebuilding or replacing costs. Fortunately, underinsurance can be remedied. If you think you might be underinsured, take a look at these tips to see what you can do.

Find out more

Time for a home insurance health check?

Making sure you’ve got the right insurance cover isn’t just a one-time proposition. Not only is your life constantly changing, the cost of replacing or rebuilding tends to go up over time as well.

Find out more

What is covered by my home insurance policy

Insurance is really about confidence. You want to be sure you can get things back to normal, if the unexpected happens. Find out how you can learn more about your policy. 

Find out more

Home Insurance discounts, premiums, no claim bonus and more

Learn more about Westpac Home and Contents Insurance discounts, premiums, cover levels and excess.

Find out more

How much home insurance cover do I need

When it comes to insurance, many of us undervalue our home and all the things we've collected over the years, so it pays to invest a little time in working out their value accurately and keeping it up to date. Knowing what to include in valuing your home and contents can help you determine the right amount of cover.

Find out more

Prevent Christmas burglary

Christmas is a busy time for burglars too! Find out how to keep your Christmas presents and your home safe to deter thieves from enjoying your new gifts.

Find out more

Changes to the NSW Emergency Services Levy

Read about the Changes to the Emergency Services Levy (ESL) in NSW.

Find out more

Renewing my policy

Read things to know before renewing and ways to renew. Renew your policy on time to continue your cover.

Find out more

Resolving claim or policy disputes

Understand how claims are paid and what documented proof might be needed. Plus what to do if you have a complaint or a dispute.

Find out more

Home maintenance: DIY to protect your home

Some people revel in home maintenance; others balk at the thought. Whatever camp you fall into, it’s important to keep on top of certain things for the sake of your home and contents insurance policy.

Find out more

Should a landlord get building or contents insurance

Choosing cover for your investment property is easy. What kind of property do you own?

Find out more

Landlord insurance discounts, premiums, and more

Learn more about discounts, premiums, cover levels and excess for Westpac Landlord Insurance.

Find out more

How much landlord insurance cover do I need?

When you’re a landlord, insurance is more than just another piece of paperwork. It’s important protection for the investment you’ve worked hard for and the future security that means for you and your family.

Find out more

What is covered by my landlord insurance policy

Insurance is about protecting the investment you've worked hard for. You want to be sure you can get it back on track if the unexpected happens.

Find out more

Renters insurance myths and tips

Think renting means you don’t need insurance, or think your landlord’s insurance will have you covered? Think again. It makes no difference if you live in your own place or rent - without contents insurance you could be leaving yourself open to serious financial stress. 

Find out more

Tips for moving out of home

Moving out of the family home for the first time can feel like a liberating experience; however with the freedom also comes greater responsibility. Here are some things to keep in mind before making the big move.

Find out more

Check or change my policy

It’s easy to check or change your policy anytime.

Find out more

Should you get Building or Contents Insurance – or both?

It's important to choose the cover that's right for you. So, what is the right cover? It depends on how much cover you need, and whether you own a house or unit, or rent.

Find out more

General Insurance Code of Practice

Read about the customer service standards that Westpac General Insurance is committed to upholding under the General Insurance Code of Practice.

Find out more

Things you should know

*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.


Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 89KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statements (applicable to policies issued or renewed on or after 1 July 2019) (PDF 339KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019) (PDF 328KB)

View the Home and Contents Insurance Key Fact Sheets.

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 into account your personal circumstances. Read the Product Disclosure Statement to see if this insurance is right for you.