Home & Contents Insurance
Cover against loss or damage caused by flood, fire, storm, theft and more. Home and Contents Insurance helps you get back on your feet if your home or personal belongings are affected in an unforeseen event.
All covers include
Damage from flood, storms, earthquake, lightning, fire, impact, explosion
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property
Automatic safety net in case repair or replacement costs are higher than expected
Theft, burglary, malicious acts
New for old replacement on contents, irrespective of age, where an item cannot be repaired
Emergency accommodation1 if your home becomes unliveable
Choose from 3 levels of cover
Essential Care
Safety Net
Up to 10% for Building and up to 5% for Contents
Emergency Accomodation
Up to $10,000 if you have building cover (or up to $5,000 if you have contents only cover)1
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Cover Limits
- Jewellery and Watches – Up to $500 per item/$3,000 total per claim
- Artworks, collections and collectables: Up to $3,000
- Sporting equipment: Up to $2,000
- Bicycles: Up to $1,000
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Get a quote in 2 minutes and
save up to 25% online*
Quality Care
Safety Net
Up to 20% for Building and up to 10% for Contents
Emergency Accomodation
Up to 12 months or 10% of the sum insured (whichever is less)
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Cover Limits
- Jewellery and Watches – Up to $1,000 per item/$5,000 total per claim.
- Artworks, collections and collectables: Up to $10,000
- Sporting equipment: No limit
- Bicycles: Up to $1,500
- Rainwater tanks and solar heating: Up to $3,000
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Extra Inclusions
✓ Accidental breakage of glass
✓ Electrical motor burnout
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Get a quote in 2 minutes and
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Premier Care
Safety Net
Up to 30% for Building and up to 20% for Contents
Emergency Accomodation
Up to 12 months or 10% of the sum insured (whichever is less)
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Cover Limits
- Jewellery and Watches - Up to $5,000 per item/$20,000 total per claim.
- Artworks, collections and collectables: Up to $20,000
- Sporting equipment: No limit
- Bicycles: Up to $2,000
- Rainwater tanks and solar heating: Up to $5,000
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Extra Inclusions
✓ Accidental loss to building or contents
✓ Accidental damage to building or contents
✓ Accidental breakage of glass
✓ Electrical motor burnout
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Get a quote in 2 minutes and
save up to 25% online*
In general, wear and tear or failing to maintain your property are not covered under Home and Contents Insurance.
Take a look at the Home Insurance Product Disclosure Statement (PDF 494KB) for the full details of how you are covered and policy exclusions.
Do you have valuables that need extra cover?
Our policies allow you to add in higher limits for artworks, collections and collectables.
We also offer optional personal valuables cover2 for jewellery, watches, handbags and laptops at home and anywhere in Australia, or worldwide for up to 90 days.
Important Information
Before making a decision, please read these documents to ensure you’re aware of all fees, charges and interest rates.
Building Calculator
It's up to you to determine how much it would cost to replace your home and it can be complex to accurately calculate these replacement costs. Use our building calculator to ensure the sums you nominate are enough at today’s prices.
Offer & Benefits
Save up to 25% online*
Quote and buy online to save 15% off your annual premium for the first year with promotional code COVER. Plus, 10% when you combine home and contents located at the same address under one policy.
Payment Flexibility
You can pay for your cover monthly or yearly - whatever suits you and at no extra cost.3
Hassle free claims
24/7 claims support available online and over the phone, we're there for you when you need us. One of our dedicated Australian claims managers will call you back if we have further questions.
Important information
Cover is subject to your application for insurance being accepted.
Key Facts Sheets (KFS):
Home Building Essential Care KFS (PDF 1MB)
Home Contents Essential Care KFS (PDF 1MB)
Home Building Quality Care KFS (PDF 1MB)
Home Contents Quality Care KFS (PDF 1MB)
Product Disclosure Statements (PDS)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 494KB) (applicable to policies issued or renewed on or after 1 July 2019)
Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 424KB) (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)
This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.
* 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 building and contents at the same address under the one policy.
1 If your home is unliveable we will cover up to $10,000 (under Essential Care Building Insurance) or $5,000 (under Essential Care Contents Insurance) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.
2 For holiday homes not all cover options are available. Building and Contents cover is available provided the home isn’t rented out to others. Choose from Essential Care and Quality Care (but not Premier Care). Optional Personal Valuables cover is not available. As per PDS.
3 Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). BankSA – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance.