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For home owners wishing to cover their home and contents, NAB has two policies on offer. The first, NAB Home Insurance Essentials, covers your home and contents with several provisions for emergency storage and accommodation. NAB Home Insurance offers everything essentials has plus some extras. Both policies also come with $20 million legal liability cover, 24-hour claims service and discounts of up to 10% for combining home and contents insurance.
Buildings cover is designed to protect the physical structures that make up your home. This can include the garage, shed, swimming pool, deck and the house itself. It's generally suited to people who own a house, townhouse, terrace or semi-detached dwelling.
Contents cover is built to protect the items at your home, including furniture, appliances, white goods and personal belongings such as laptops, jewellery and clothing. It can also cover carpets, blinds and curtains.
This lets you combine what you get with building and contents cover so that you're protected for both. It covers you for loss or damage caused by fire, bushfires, grassfires, smoke, theft, burglary and more.
NAB offers several optional covers as well which you can add to your home insurance policy. These include:
Even the most comprehensive policy comes with exclusions. NAB will not pay your home and contents insurance if:
The excess is the amount you are required to pay towards the cost of a claim, unless the insurer states that no excess is payable. The amount of the excess you need to pay is set out in your policy schedule and you also have the flexibility to increase your excess amount in return for reduced premiums.
You are only required to pay one excess in respect of any single claim that arises out of the same insured incident, or that causes loss or damage to both buildings and contents arising out of the same insured event.
However, an excess of $200 (or any greater amount shown in the policy schedule) applies to earthquake claims.
There are no special eligibility requirements you need to satisfy in order to qualify for a NAB home and contents insurance policy. Cover is available for all owners of Australian residential property.
If you need to make a claim on your NAB home and contents insurance policy, you can do so in two ways:
You will need to provide your policy number and full details of the incident leading to your claim. You should also provide any information or documentation requested by the insurer, such as proof of ownership or police report numbers, as soon as possible.
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