Cover your home and contents with one of three policies from St.George. Enjoy cheaper premiums with flexible excess options.
Owned by Westpac, St.George is one of Australia's most recognisable bank brands. The company has three home and contents insurance policies: Essential Care, Quality Care and Premier Care. Each policy includes $20 million in legal liability cover and a 10% discount for the first year of the policy if you buy online. You can also opt to pay monthly rather than yearly at no additional cost.
Home insurance policy options with St.George
Essential Care
St.George Essential Care home insurance offers a basic level of cover so that you can protect your home and contents against loss and damage. It covers fires, floods, storms, theft and much more. It also includes sum insured safety nets to ensure that all costs are covered to help you get back on your feet.
- Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
- 10% sum insured safety net for buildings
- 5% sum insured safety net for contents
- Emergency accommodation costs
- Cover for jewellery, artwork and collections
- $20 million legal liability cover
- Optional personal valuables cover
- Save 10% off the first year of cover when you purchase online
- Pay by the month at no extra cost
Quality Care
Quality Care insurance from St.George covers your home and contents against loss or damage caused by a wider range of events than an Essential Care policy, including floods, storms, theft, malicious acts, impacts and escape of liquid. It also adds sum insured safety nets if the cost of rebuilding is more than expected. Other benefits include cover for jewellery, artwork, cash and more.
- Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
- Accidental glass breakage
- Electrical motor burnout cover
- Emergency accommodation costs
- 20% sum insured safety net for buildings
- 10% sum insured safety net for contents
- $20 million legal liability cover
- Optional personal valuables cover
- Save 10% off the first year of cover when you purchase online
- Pay by the month at no extra cost
Premier Care
St.George Premier Care provides all the same benefits as the Quality Care policy, but with the added security of cover for accidental loss or damage anywhere in Australia. It covers includes a 30% safety net for your buildings and 20% for your contents. You’re also covered for emergency accommodation costs, jewellery, artwork and a lot more.
- Covers loss or damage caused by theft, storms, floods, fires, lightning, earthquakes, impacts, explosions, escape of liquid, malicious acts, riot and civil commotions
- Also covers accidental loss or damage
- 30% sum insured safety net for buildings
- 20% sum insured safety net for contents
- Accidental glass breakage
- Electrical motor burnout cover
- $20 million legal liability cover
- Optional personal valuables cover
- Save 10% off the first year of cover when you purchase online
- Pay by the month at no extra cost
General policy exclusions
There are certain circumstances and situations when your St.George home insurance policy will not provide any cover. St.George will not pay your claim if it arises from the following situations:
- It is for events or circumstances that are covered by a warranty, guarantee or service contract.
- It arises due to any defects in design, structure, materials, workmanship or construction.
- You failed to properly maintain or secure your property.
- You failed to undertake building work required by a relevant authority before the loss or damage occurred.
- It is for wear and tear, gradual deterioration, or fading.
- It is caused by rust, corrosion, mould, mildew or atmospheric conditions.
- It is caused by a landslide, subsidence or erosion.
- It is caused by settling, expansion, shrinkage or vibration.
- It is caused by tree roots.
- It is caused by vermin, insects or pests.
- It arises due to malicious or unlawful acts or use by you, or by someone acting with your consent.
- It arises due to your property being used for any business, trade, profession, occupation or commercial purposes.
- Your property is unoccupied for more than 60 consecutive days.
- It is for work to demolish or relocate your building.
- It is for loss or damage to common property where the home is part of a strata, group or community title plan.
Who is eligible for a St.George home insurance policy?
St.George home and contents insurance policies are only available for residential properties located in Australia. You will only be covered if the insurer accepts your application and if you make the required premium payments on time.
Home insurance excess options with St.George
An excess is the amount you’re required to pay when you make a claim. You can find the excesses that apply to your cover on your policy schedule.
The minimum basic excess amount is $100, but you can choose to increase this by adding a voluntary excess in order to receive cheaper premiums. The total basic excess payable consists of your minimum basic excess plus any voluntary excess you choose to add.
The following total basic excess options are available:
- $100
- $250
- $500
- $1,000
- $2,000
- $5,000
Making a claim on your policy
It’s quick and easy to lodge a claim under your St.George home insurance policy. You can make a claim by phoning the insurer 24 hours a day, 7 days a week and providing the details of your claim. Alternatively, you can submit your claim online via the St.George website.
You should also follow a few simple steps following any incident:
- Make sure everyone is safe and contact emergency services if necessary.
- Do whatever you can to prevent further loss or damage.
- Call the police immediately following theft, malicious damage or break-ins.
- Do not accept or admit liability.
- Notify the insurer of your claim as soon as possible.
- Provide any information, documentation or access the insurer needs to process your claim.
FAQs
Can I pay my premiums by the month if I want?
Yes, you can pay your premiums by the month for no extra fee.
Are there any discounts available?
Yes, you can save on the cost of cover in the following ways:
- By choosing a higher excess
- By combining home insurance and contents cover in one policy
- By not making any claims on your policy (no-claims discount)
- By having an Advantage Package home loan with St.George
- By purchasing cover online
How can I apply for cover?
You can apply for St.George home insurance online or over the phone.
Who is the insurer?
The insurer for St.George home insurance is Westpac General Insurance Limited.
What if I’m going away for an extended period – will my home and contents still be covered?
If your home will be unoccupied for more than 60 consecutive days, you will need to phone the insurer to find out whether cover is still available.
Are repairs guaranteed?
Yes, Westpac General Insurance Limited guarantees any repairs made to your building or contents by a repairer recommended by the insurer. However, no guarantee is available if you choose your own repairer.
