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Home Building and Contents extra benefits

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 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

Home building benefits paid as part of your building sum insured 

Benefits Essential Care
Quality Care
Premier Care
Emergency repairs and protection      
Professional fees Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Building laws and regulations Up to 10% of the sum insured Up to 10% of the sum insured Up to 10% of the sum insured
Fire brigade and services charges Up to $5,000 Up to $5,000 Up to $5,000
Mortgage discharge      
Unsecured renovation materials   Up to $1,000 Up to $2,000
Purchasing a home   Up to $20,000 Up to $20,000
Gardens and landscaping     Up to $10,000

Other building benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation      
Locks and keys   Up to $1,000 Up to $2,000

Contents benefits paid in addition to your sum insured

Benefits Essential Care
Quality Care
Premier Care
Sum insured safety net Up to 5% of the sum insured Up to 10% of the sum insured Up to 20% of the sum insured
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 $5,000 Up to 10% of the sum insured or 12 months whichever is less Up to 10% of the sum insured or 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 $15,000

Contents benefits paid as part of your 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

Other contents benefits

Benefits Essential Care
Quality Care
Premier Care
Sum insured automatic indexation  

 

 

Frozen food loss   Up to $500 Up to $2,000
Credit card loss   Up to $1,000 Up to $5,000
Contents in transit  

 

Up to 20% of the sum insured
Veterinary expenses  

 

Up to $500
Things you should know

The information contained in this article is general information only and is not specific to any product.  

It does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to your personal objectives, financial situation and needs to these factors before acting on it.

Terms, conditions and exclusions apply to any insurance product. Please read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding.

Cover is subject to your application for insurance being accepted.

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 85KB)

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.