NAB Home Insurance

Consider insuring your home and contents with NAB to protect your house against disaster and get emergency accommodation and storage cover.


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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.

Home insurance cover levels with NAB

NAB Home Insurance Essentials

NAB Home Insurance Essentials is designed to cover your building and contents against a wide range of events and situations. It covers your home for loss or damage caused by accidental glass breakage, explosion, fire, malicious acts and more. Policy benefits include cover for replacement of locks, emergency contents storage, cover for guests’ contents, temporary accommodation costs and much more. Up to $20 million of legal liability cover is also included in case you cause injury to other people or damage their property.

  • Covers loss or damage due to accidental glass breakage, earthquake, tsunami, explosion, fire or smoke, impact damage, lightning and thunderbolt, malicious acts, riot and civil commotion, storm and rainwater, theft, burglary, water damage and more
  • Temporary accommodation costs
  • Replacement of locks
  • Emergency contents storage
  • Removal of debris
  • Cover for guests’ contents
  • Optional flood cover
  • Optional personal valuables cover
  • $20 million legal liability cover
  • Convenient 24/7 claims service
  • Save up to 10% when you combine building and contents cover in the same policy

NAB Home Insurance

NAB Home Insurance provides all the same benefits as the Essentials policy but includes a few extra benefits to provide added peace of mind, such as fusion cover, landscaping costs, tax audit costs and compensation for fracture. Just like the Essentials policy, it also offers an easy 24/7 claims service and allows you to pay your premiums by the month at no extra cost.

  • Offers all the same benefits as NAB Home Insurance Essentials plus some extras
  • Electric motor fusion cover
  • Spoilage of perishable food
  • Landscaping costs
  • Tax audit costs
  • Compensation for fracture
  • $20 million legal liability cover
  • Convenient 24/7 claims service
  • Optional flood cover
  • Optional personal valuables cover
  • Save up to 10% when you combine building and contents cover in the same policy

Policy exclusions

Even the most comprehensive policy comes with exclusions. NAB will not pay your home and contents insurance if:

  • It is caused by a deliberate, intentional, malicious or criminal act by you, your tenants, your invitees or anyone acting with your consent
  • It is caused by lawful confiscation, destruction, detention, nationalisation, requisition or seizure
  • It is caused by war or terrorism
  • It arises due to depreciation, gradual deterioration or wear and tear
  • It arises due to inherent defects, faulty design, structural defects or poor workmanship
  • It is for loss or damage to contents that are acquired or held illegally
  • It is caused by flood (unless you select optional flood cover)
  • It is caused by the action of light, atmospheric or other climatic conditions (except lightning, thunderbolt, storm, rainwater or run-off)
  • It is caused by insects, birds or vermin
  • It is caused by rust, corrosion, algae, mould or mildew
  • It is caused by any process of cleaning, repairing or restoring which involves the use of chemicals
  • It is for loss or damage to sporting equipment, model aircraft, bicycles or watercraft while they are being used
  • It is caused by mechanical or electrical breakdown or failure
  • It is for the cost of data recovery
  • It is for consequential loss

NAB home insurance excess

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.

Who is eligible for a home insurance policy with NAB?

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.

Making a claim

If you need to make a claim on your NAB home and contents insurance policy, you can do so in two ways:

  • Online. The fastest and easiest way to claim is using Allianz’s online claims form. The form is available 24/7 and can be completed in under 10 minutes.
  • Over the phone. You can call Allianz’s 24/7 claims hotline on 1300 555 013. An Allianz claims consultant will talk you through how to lodge your claim.

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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