Residential Home & Contents Insurance

Whether you’re a home owner, a tenant, or have a weekender/holiday home, our Residential Home and Contents Insurance offers you a range of ways to help you protect what it is you cherish about your home.

There are three levels of cover to choose from for your building and/or contents:

Essential Care – a basic level of cover to protect your building and/or contents against loss or damage
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.
Premier Care – includes all the benefits of Quality Care with the extra protection of cover for accidental loss or damage anywhere in Australia, with more benefits and even higher limits of cover for your valuables.

Optional Personal Valuables cover: You can also choose additional protection for items like jewellery, sporting equipment and portable electronic devices anywhere in the world for up to 90 days from the date of departure from Australia.

Compare the key benefits of the policy options to find which one’s right for you.

Key Benefits	Essential Care	Quality Care	Premier Care
Fire, storm, flood, cyclone, burglary and malicious acts	Yes	Yes	Yes
Electrical motor burnout	No	Motors up to 15 years	Motors up to 15 years
Accidental breakage of glass	No	Yes	Yes
Accidental loss or damage	No	No	Yes
Cover for jewellery and watches*	Up to $500 per item / $3,000 in total	Up to $1,000 per item / $5,000 in total	Up to $2,000 per item / $10,000 in total
Cover for artwork, collections and collectibles**	Up to $3,000	Up to $10,000	Up to $20,000
Australia-wide cover for contents under accidental loss	No	No	Yes
Cash, cheques and money orders	No	Up to $750	Up to $1,250
Legal liability cover	$20 million	$20 million	$20 million
Pay by the month at no extra cost	Yes	Yes	Yes

* If extra cover is needed, consider the optional Personal Valuables cover.
** If extra cover is needed, these items can be specified as part of the contents sum insured.

Calculate the value of your home building and contents

Important information

The Home and Contents insurance Product Disclosure Statement is important and we encourage you to read, save and/or print it. If you would like a paper copy, please call 1300 554 002.

If you need to make a claim, call us on 1300 656 345, 24 hours a day, 7 days a week. Or download a claim form here.

For more information about the policy and the discounts that may apply to you, call us on 1300 554 002, 8.30am – 5pm Monday to Friday.

Home and Contents Insurance is issued by Westpac General Insurance Limited, part of the St.George group of companies. The Bank receives a commission of up to 20% of the premium (exclusive of government charges) when we arrange for the issue of Home and Contents Insurance. The advice on this webpage has been prepared without taking into account your personal objectives, financial situation or needs. Before applying for insurance, you should consider the Product Disclosure Statement (PDS) to see if it’s right for you.