Call the Insurance Hotline
on 1300 650 255
We offer three levels of cover:
| What will I be covered against | Essential Care | Quality Care | Premier Care |
| Fire | 
| | |
| Explosion | | | |
| Lightning | | | |
| Earthquake | | | |
| Malicious Acts | | | |
| Riot & Civil Commotion | | | |
| Impact | | | |
| Falling trees & Branches | | | |
| Storm including Cyclone, Hail, Wind, Snow or Rain | Excludes fences, gates or freestanding walls | | |
| Flood Action of the Sea Highwater or Tsunami | | | |
| Theft or Attempted Theft | Burglary with signs of forced entry only | | |
| Escape of Liquid | Escape of Liquid from shower recesses is excluded | | |
| Accidental Breakage of Glass |  | | |
| Electrical Motor Burnout | | | |
| Accidental Loss & Damage | | | |
| Legal Liability | $20 million | $20 million | $20 million |
| Domestic workers Comp Applicable to contents ONLY | | | |
| What other expenses are covered? | Essential Care | Quality Care | Premier Care |
| Demolition & Removal of Debris | Included in sum insured | Included in sum insured | Included in sum insured |
| Professional Fees | Included in sum insured | Included in sum insured | Included in sum insured |
| Local & State Authority Requirements | Included in sum insured | Included in sum insured | Included in sum insured |
| Temporary Repairs and Protection | Included in sum insured | Included in sum insured | Included in sum insured |
| Fire Brigade & Service Charges | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Emergency Accommodation | Limit of $10,000 Applicable to building only | 10% of the sum insured or cost of accommodation for up to 12 months from the date of the event (whichever is lesser) | 10% of the sum insured or cost of accommodation for up to 12 months from the date of the event (whichever is lesser) |
| Loss of Rent | | 10% of the sum insured or the amount of lost rent for up to 12 months from the date of the event (whichever is lesser) | 10% of the sum insured or cost of accommodation for up to 12 months from the date of the event (whichever is lesser) |
| External Locks & Keys | | Up to $500 | Up to $500 |
| Rainwater Tanks | | Up to $3000 | Up to $3000 |
| Unsecured Fixtures or Materials - Renovations | | | Up to $1000 |
| Landscaping and Garden Re-Establishment Costs | | | Up to $5,000 |
| Landlords' Fittings | | Loss or damage to light fittings, fixed carpet & window coverings due to a defined event. Up to $15,000 | |
| Purchasing a Home | | Loss or damage to fittings, fixed carpet & window coverings due to a defined event Up to $15000 | Loss or damage to fittings, fixed carpet & window coverings due to a defined event Up to $15000 |
| Construction - Owner Builder | | | |
| What other expenses are covered? | Essential Care | Quality Care | Premier Care |
| Removal of Debris | Included in sum insured | Included in sum insured | Included in sum insured |
| Fire Brigade & Service Charges | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Emergency Accommodation | | 10% of the sum insured or cost of accommodation for up to 12 months from the date of the event (whichever is lesser) | 10% of the sum insured or cost of accommodation for up to 12 months from the date of the event (whichever is lesser) |
| Emergency Storage of Contents | | 10% of the sum insured or cost of storage for up to 12 months from the date of the event (whichever is lesser) | 10% of the sum insured or cost of storage for up to 12 months from the date of the event (whichever is lesser) |
| Temporary Accommodation for Pets | | Up to $5,000 | Up to $5,000 |
| Compensation for Fatal Injury | | Up to $5,000 | Up to $5,000 |
| Frozen Food Loss | | Up to $500 | Up to $500 |
| Credit Card Loss | | Up to $1,000 | Up to $1,000 |
| Veterinary Expenses | | | Up to $500 |
| Loss of Computer Records | | | Up to $3,000 |
| Contents in Transit | | | Up to 20% of the contents sum insured |
| What are the contents limits? | Essential Care | Quality Care | Premier Care |
| Jewellery and Watches | $500 per item $3,000 in total for all items in one claim (Specified Personal Valuables Insurance is available if more cover required) | $1,000 per item $5,000 in total for all items in one claim (Specified Personal Valuables Insurance is available if more cover required) | $2,000 per item $10,000 in total for all items in one claim (Specified Personal Valuables Insurance is available if more cover required) |
| Artworks, Collections and Collectibles | $3,000 | $10,000 | 20,000 At Home $10,000 Elsewhere in Australia |
| Property belonging to Guests or Visitors | | $2,000 | $5,000 At home |
| Tools & Equipment of Trade | | $2,000 | $3,000 At home |
| $1,000 Elsewhere in Australia | |||
| Mobiles Phones, Computer Equipment & Property used in connection with a Home Office | | $10,000 | $15,000 At home |
| $5,000 Elsewhere in Australia | |||
| Unattached Motor Vehicle & Marine Pleasure Craft Accessories & Parts | | $500 | $1,000 At home |
$500 Elsewhere in Australia | |||
| Money & other Negotiable Financial Documents | | $500 | $1,000 At home |
| $1,000 Elsewhere in Australia | |||
| Documents | | $1,000 | $2,000 At home |
| $2,000 Elsewhere in Australia | |||
| Unset Stones | $500 | $1,000 | $2,000 At home |
| $2,000 Elsewhere in Australia | |||
| Sporting Equipment (including bicycles) | $2,000 maximum for all items in one claim | No limit | No limit |
| Electronic, Audio Visual & Computer Equipment (including computers, televisions & stereo systems) | $3,000 maximum for all items in one claim | No limit | No limit |
| CDs, DVDs, Videos, Computer Games & Software | $1,000 maximum for all items in one claim | No limit | No limit |
| Mortgage Discharge | | Up to $1,000 | Up to $1,000 |
General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our ABN & RSE Numbers for Superannuation entities.
By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.
This insurance product is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and distributed by Westpac Banking Corporation ABN 33 007 457 141(the Bank). This policy is subject to conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company (other than the Bank as policy distributor and WGIL) has any liability in connection with the policy or this information. In some states, the Domestic Workers Compensation cover is issued and guaranteed only by Allianz Australia Insurance Limited ABN 15 000 122 850.
Copyright © 2009 Westpac Banking Corporation ABN 33 007 457 141
