Should you get Building or Contents Insurance – or both?

Choosing the cover that fits your home is easy. Which best describes you?

Home owner

No doubt you’ve put a lot into owning your home, so you’ll want to protect it inside and out – with Building cover for your house itself and Contents cover for your belongings. Plus you can add Personal Valuables cover to your Contents policy to cover special items for higher values when they’re in and away from your home – even overseas for up to 90 days.

Unit or townhouse owner

If your strata or body corporate takes care of Building cover, Contents cover and possibly Personal Valuable cover may be all you need. You can add Personal Valuables cover to your Contents policy to cover special items for higher values when they’re in and away from your home – even overseas for up to 90 days.

Renter

When you’re renting, you don’t have to worry about insuring the roof over your head, but you can make sure your prized possessions are covered with Renters cover and possibly Personal Valuables cover. You can add Personal Valuables cover to your Contents policy to cover special items for higher values when they’re in and away from your home – even overseas for up to 90 days.

Holiday home owner

As long as you don’t lease out your holiday home or weekender, choose from Building and Contents cover.

Landlord

If your property is leased out, choose Landlord Insurance.

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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.

 

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. 

 

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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 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.