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Essentials

Choose from 3 flexible levels of contents cover, under your own policy - even in a share house.

  • Save 15% off your annual premium for the first year when you apply online and enter promotional code COVER.
  • Pay by the month at no extra cost*
  • Cover for theft, storms, floods and fire included as standard.
  • 14 days cover at both your current home and your new home when moving permanently to a new home
  • Claim 24/7  Fast replacement for your personal items if they are lost or stolen
  • Optional Personal valuables cover for your prized portable items like laptops, mobile phones, bicycles, jewellery and watches.
  • $20 Million Liability cover for incidents anywhere in Australia or New Zealand.

Highlights

No matter what level of cover you choose, these events are covered as standard. Of course, like all policies, some exclusions, limits and conditions apply.

  • Storm
  • Flood
  • Lighting
  • Fire
  • Earthquake
  • Explosion
  • Theft
  • Impact
  • Escape of liquid
  • Malicious acts, riot and civil commotion

There’s also legal liability cover for up to $20 million.

Here are some key differences between the 3 levels of cover.
 

Essential Care
Quality Care Premier Care
  • Theft is only covered if the theft occurs from inside a locked building at the site and only where there is evidence of forced entry.
  • Safety net up to 5% of the sum insured for your contents.
  • Cover for jewellery and watches up to $500 per item ($3,000 in total).
  • Cover for artwork up to $3,000.
  • Theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 for items that were in the open air at the site.
  • Safety net up to 10% of the sum insured for your contents.
  • Electrical motor burnout.
  • Accidental glass breakage.
  • Cover for jewellery and watches up to $1,000 per item ($5,000 in total).
  • Cover for artwork up to $10,000.
  • Theft is covered if the theft occurs from inside, outside or away from your home
  • Safety net up to 20% of the sum insured for your contents.
  • Electrical motor burnout.
  • Accidental glass breakage.
  • Accidental loss or damage.
  • Cover for jewellery and watches up to $5,000 per item ($20,000 in total).
  • Cover for artwork up to $20,000.

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
Sum insured automatic indexation      
Frozen food loss   Up to $500 Up to $2,000
Contents in transit     Up to 20% of the sum insured
Veterinary expenses     Up to $500

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 per claim Up to $1,000 per item/ up to $5,000 per claim Up to $5,000 per item/ up to $20,000 per claim
Sporting equipment (excluding bicycles) Up to $2,000 No limit No limit
Bicycles Up to $1,000 Up to $1,500 Up to $2,000
Electronic audio, visual and computer equipment Up to $3,000 No limit No limit


You can cover the items above for higher values by adding Personal Valuables cover.
 

Contents with limits
Essential Care
Quality Care Premier Care
Artworks, collections and collectibles Up to $3,000 Up to $10,000 Up to $20,000
Unset stones and unattached charms Up to $500 Up to $1,000 Up to $2,000
Unattached accessories and parts for motor vehicles and marine pleasure craft   Up to $750 Up to $1,000
Money and other negotiable documents   Up to $750 Up to $1,250
Documents   Up to $1,000 Up to $2,000
Property belonging to visitors   Up to $2,000 Up to $5,000 at the site
Home office equipment   Up to $10,000 Up to $15,000 at the site/ up to $5,000 elsewhere in Australia
Tools and equipment of trade   Up to $2,000 Up to $3,000 at the site/ up to $1,000 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
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.

 

Westpac Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement (PDF 101KB)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (applicable to policies initially issued on or after 30 June 2018 and current policies last renewed on or after 30 July 2018) (PDF 328KB)

Home and Contents Insurance Product Disclosure Statement (applicable to current policies last renewed before 30 July 2018) (PDF 11MB)

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.