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Personal valuables cover

Add optional Personal Valuables 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. You can choose from various levels of cover up to $7,500 in total)
  • Combination of both.

Personal valuables items

Clothing and other personal items

  • Clothing, toiletries, cosmetics
  • Jewellery and 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.
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 89KB)

Home and Contents Insurance Product Disclosure Statement (applicable to policies issued or renewed on or after 5 April 2021) (PDF 461KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies issued or renewed in the period between 1 July 2019 and 4 April 2021) (PDF 339KB)

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.