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Westpac Home & Contents Insurance

Advertiser disclosure

The details shown below are for the Essential Care Residential (Home & Contents)

The details shown below are for the Quality Care Residential (Home & Contents)

The details shown below are for the Premier Care Residential (Home & Contents)

Choose the version of this product that suits you best

  • Essential Care Residential (Home & Contents)

  • Quality Care Residential (Home & Contents)

  • Premier Care Residential (Home & Contents)

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Westpac Home & Contents Insurance - last updated: 11 February 2021

binocular icon
What's hot
  • Multiple 2020 Mozo Experts Choice Award winner
  • New for old cover
  • Underinsurance protection
What's not
  • No cover for identity theft
Mozo snapshot

With Westpac’s home and contents insurance there are three levels of cover to choose from, Essential, Quality and Premier. Both Essential and Premier Care Residential cover scooped up awards in the 2020 Mozo Experts Choice Awards! Premier Care for Exceptional Value and Exceptional Quality Home and Contents Insurance and Essential Care for Exceptional Value. All levels of care provide cover for storms, fires and theft.

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Key features

No matter what your home or contents go through, from fires to glass breakage and explosions, it’s safe to say that Westpac’s Residential Care home and contents insurance has got it under control. 

All three levels of cover provide cover for storms, lightning, floods, fires, theft, malicious acts and up to $20 million of legal liability. Cover for items such as jewellery, sporting equipment, artworks and CDs and DVDs is included with Essential, Quality and Premier Care. However, how much you are covered for will vary depending on what level of cover you choose. For instance, for jewellery and watches Essential Care will cover you up to a maximum of $3,000 per claim, whereas Premier Care will cover you up to a maximum of $20,000 per claim.

Premier Care even provides up to $10,000 worth of cover for gardens and landscaping. Although it should be noted that Essential and Quality care do not. Both Premier and Quality Care provide up to $5,000 worth of emergency accommodation cover for pets.

It should be noted that power surges, identity theft, any stock or inventory and uncut gems will not be covered.

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Who is it good for

Westpac’s home and contents insurance would suit anyone who wants the option to choose their level of cover. 

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Any catches

While Westpac Premier Care Residential aims to provide a bulletproof policy, keep in mind that they don’t offer cover for identity theft. 

Also keep in mind that what you are covered for, will depend on what level of cover you choose.

Details

Rates and fees information correct as at 19 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 10% of building sum insured

Yes

$100

true

yes

15% online discount, 10% combined policy discount, no claim bonus

Yes

No

No

Up to $20,000,000

n/a

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

No

No

Yes

Contents

No

No

Up to $1,000

Computer software: Up to $3,000. Computer hardware: Up to $3,000.

Yes

Yes

Yes

Up to $3,000

Up to $500 per item, up to $3,000 in total

Up to $500 in total

No

No

Yes

No

No

No

Other cover

No

No

No

Up to $10,000

No

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

Up to 14 days for contents

No

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Rates and fees information correct as at 19 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 20% of building sum insured

Yes

$100

true

yes

15% online discount, 10% combined policy discount, no claim bonus

Yes

No

Up to $2,000 in the open air at the site

Up to $20,000,000

n/a

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

No

Yes

Contents

Up to $750

No

Yes

Computer software: Yes. Computer hardware: Yes.

Yes

Yes

Yes

Up to $10,000

Up to $1,000 per item, up to $5,000 in total

Up to $1,000

Up to $1,000

No

Yes

Up to $2,000

No

Up to $10,000

Other cover

Up to $10,000 for funeral

No

Up to $1,000

Up to 12 months, up to 10% of sum insured

Up to $5,000

Up to 12 months, up to 10% of sum insured

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

Up to 14 days for contents

No

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Details

Rates and fees information correct as at 19 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

60

Yes - Up to 30% of building sum insured

Yes

$100

true

yes

15% online discount, 10% combined policy discount, no claim bonus

Yes

Yes

Yes

Up to $20,000,000

n/a

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $2,000

Up to $10,000 for plants

Yes

Contents

Up to $1,250

No

Yes

Computer software: Yes. Computer hardware: Yes.

Yes

Yes

Yes

Up to $20,000

Up to $5,000 per item, up to $20,000 in total

Up to $2,000

Up to $2,000

No

Yes

Up to $3,000

No

Up to $15,000

Other cover

Up to $15,000 for funeral

No

Up to $2,000

Up to 12 months, up to 10% of sum insured

Up to $5,000

Up to 12 months, up to 10% of sum insured

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

Up to 14 days for contents

Up to 20% of sum insured

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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