NAB Home Insurance

Protect your house against disaster with NAB Home Insurance.

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Considering NAB Home Insurance to protect one of your biggest assets? NAB offers three different policies; combined home and contents insurance, building insurance and contents insurance.

On top of that, you can save money if you buy a combined policy, if you sign up online and you might even be eligible for their No Claims Bonus.

Home insurance cover levels with NAB

Buildings Cover

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

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.

Building & Contents

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.

Optional Covers

NAB offers several optional covers as well which you can add to your home insurance policy. These include:

  • Accidental damage
  • Flood
  • Motor burnout
  • Domestic workers' compensation
  • Portable contents

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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