Home & Contents Insurance
Home and Contents Insurance helps you get back on your feet if your home or personal belongings are lost and damaged.
All covers include
Damage from flood, storms1, earthquake, lightning, fire1, 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 expected2
Theft3, riot, civil commotion and malicious acts
New for old replacement on contents, irrespective of age, where an item cannot be repaired
Emergency accommodation if your home becomes unliveable4
Choose from 3 levels of cover
Essential Care
Safety Net
Up to 10% of the sum insured for Building and up to 5% of the sum insured for Contents
Emergency Accommodation
Up to $10,000 if you have Building cover (or up to $5,000 if you have Contents only cover)
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Cover Limits
- Jewellery and Watches: Up to $500 per item/$3,000 per claim
- Artworks, collections and collectables: Up to $3,000 in total
- Sporting equipment: Up to $2,000 in total
- Bicycles: Up to $1,000 in total
Other limits and exclusions apply.
Quality Care
Safety Net
Up to 20% of the sum insured for Building and up to 10% of the sum insured for Contents
Emergency Accommodation
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 per claim
- Artworks, collections and collectables: Up to $10,000 in total
- Sporting equipment: No limit
- Bicycles: Up to $1,500 in total
- Rainwater tanks and solar heating: Up to $3,000 in total
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
Premier Care
Safety Net
Up to 30% of the sum insured for Building and up to 20% of the sum insured for Contents
Emergency Accommodation
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 per claim
- Artworks, collections and collectables: Up to $20,000 in total
- Sporting equipment: No limit
- Bicycles: Up to $2,000 in total
- Rainwater tanks and solar heating: Up to $5,000 in total
Other limits and exclusions apply.
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Extra Benefits
✓ Accidental loss to building or contents
✓ Accidental damage to building or contents
✓ Accidental breakage of glass
✓ Electrical motor burnout
Limits and exclusions apply.
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 and Contents Insurance Product Disclosure Statement (PDF 494KB) for the full details of how you are covered and policy exclusions and limits.
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 cover5 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 and charges.
Building Calculator
It's up to you to determine how much it would cost to replace your property and it can be complex to calculate these replacement costs. Use our Building Calculator to estimate your replacement costs at today’s prices.
The Building and Contents calculators available through our websites are intended as a guide only.
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.^
Simple claims process
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.
^ Premiums payable by instalments may be subject to minor adjustments due to rounding, and financial institution transaction fees may apply.
1 Under Essential cover Storm cover excludes damage to gates, fences, and freestanding walls. Fire cover excludes damage caused by smoke where there was no flame at the site
2 Safety net of between 5% and 30% of your sum insured, depending on your type of cover.
3 Under Essential cover, theft is only covered if the theft occurs from inside a fully enclosed locked building and only where there is evidence of forced entry. Under Quality cover, theft is covered if the theft occurs from a fully enclosed and lockable building at the site, and for up to $2,000 in the open air.
4 If your home is unliveable we will cover up to $5,000 (Essential Care) or up to 10% of the sum insured for up to 12 months (under Quality or Premier Care) for similar alternative accommodation.
5 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.
6 The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.
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.