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BankSA's Home and Contents insurance

Flexible payment options
Pay by the month at no extra cost
Save up to 25%
Buy online and save 15% + save 10% when you combine your Home and Contents
24/7 claims support
We’ll do whatever we can to help in you in your hour of need

 

What level of cover do you need?

Here are the main features of the 3 levels of cover. Full details available in the PDS (PDF 1MB).

Essential Care

Provides a basic level of cover to protect your Building and/or Contents against loss or damage.

 

Essential Care also comes automatically with these additional benefits:

  • Sum insured safety net (building 10% / contents 5%)
  • Emergency accommodation: up to $10,000 if you have building  cover (or up to $5,000 if you have contents only cover).
  • New for old replacement on contents, irrespective of age

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Cover Limits

Some items are covered up to a certain limit, unless extra cover is taken out. For example:

  • Artworks, collections and collectables are covered up to $3,000
  • Jewellery and watches are covered up to $500 per item or up to $3,000 per claim

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You're covered for loss or damage caused by:

  • Theft
  • Storm, flood, fire, lightning, earthquake, impact, explosion
  • Escape of liquid
  • Malicious acts, riot and civil commotion

You’re also covered for legal liability of up to $20 million

Quality care

Covers your Building and/or Contents against loss or damage from a wider range of events, with additional benefits and higher limits of cover for your valuables.  
 

Quality Care also comes automatically with these additional benefits:

  • Sum insured safety net (building 20% / contents 10%)
  • Emergency accommodation for up to 12 months or 10% of the sum insured (whichever is less)
  • New for old replacement on contents, irrespective of age

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Cover Limits

Some items are covered up to a certain limit, unless extra cover is taken out. For example:

  • Artworks, collections and collectables are covered up to $10,000
  • Jewellery and watches are covered up to $1,000 per item or up to $5,000 per claim

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You're covered for loss or damage caused by:

  • Theft
  • Storm, flood, fire lightning, earthquake, impact, explosion
  • Escape of liquid
  • Malicious acts, riot and civil commotion
  • Accidental breakage of glass
  • Electrical motor burnout

You’re also covered for legal liability of up to $20 million

Premier care

All of the benefits of Quality Care with the extra protection of cover for accidential loss or damage anywhere in Australia, with more benefits and even higher limits of cover for your valuables.

Premier Care also comes automatically with these additional benefits:

  • Sum insured safety net (building 30% / contents 20%)
  • Emergency accommodation for up to 12 months or 10% of the sum insured (whichever is less)
  • New for old replacement on contents, irrespective of age
  • Rainwater tanks and solar heating up to $5,000
  • Contents cover for accidental loss or damage (including theft) anywhere in Australia

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Cover Limits

Some items are covered up to a certain limit, unless extra cover is taken out. For example:

  • Artworks, collections and collectables are covered up to $20,000
  • Jewellery and watches are covered up to $5,000 per item or up to $20,000 per claim

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Loss or damage caused by:

  • Theft
  • Storm, flood, fire lightning, earthquake, impact, explosion
  • Escape of liquid
  • Malicious acts, riot and civil commotion
  • Accidental breakage of glass
  • Electrical motor burnout
  • Accidental loss or damage to your building or contents

You’re also covered for legal liability of up to $20 million

Offers


25%

Save 25% when you buy combined Home and Contents online

Buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save another 10% when you combine home and contents located at the same address under one policy.

The Detail

Before making a decision, please read these documents to ensure you’re aware of all fees, charges and interest rates.

Cover is subject to your application for insurance being accepted.

Key Facts Sheets (KFS):

Product Disclosure Statements (PDS)

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.  This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you.