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Everyone needs insurance to protect their largest asset: the family home. We need home insurance to cover the cost of loss or damage due to flood, fire, storm or natural disaster and we need contents insurance to repair or replace our possessions if they are damaged or stolen.
Westpac Home and Contents Insurance offers comprehensive cover for your home and possessions. It includes a Safety net and emergency accommodation extras, plus an award winning claim service. This guide takes a closer look at all the options to help you decide which cover is right for you.
Westpac offers three main insurances for your home and possessions. These are:
The optional cover available with contents only and home and contents insurance includes cover for valuables while at home, throughout Australia and worldwide for up to 90 days, which could help to reduce your travel insurance premium next time you go on holidays.
And the extra cover with building only and home and contents insurance provides valuable funds for emergency accommodation if your home is unliveable plus a sum insured safety net, in case repair or replacement costs are higher than first expected.
As well as three different types of cover, Westpac Home and Contents Insurance offers three different levels of care:
Each provides a different level of protection.
Quality Care and Premier Care provide additional coverage for insured events electrical motor burnout and accidental glass breakage, and Premier Care includes accidental loss or damage as well.
Some exclusions apply to Westpac Home and Contents Insurance and a full list of these can be found in the Product Disclosure Statement (PDS). In summary though, exclusions apply to any loss or damage that is covered by a warranty, guarantee or service contract or that involve any of the following:
How much you pay for your Westpac Home and Contents Insurance depends on a number of factors including:
As mentioned previously, you can reduce your premium by increasing the amount of excess you pay. The excess is the amount you must pay towards any claim and in the case of Westpac Home and Contents Insurance, you can opt to pay as little as $100 or as much as $5,000.
Two things to note are that if the amount of your claim is less than the excess you must pay, then obviously the claim will not be paid. Also, if you are making a claim under building and contents, building and personal valuables or contents and personal valuables cover for the one event, only the higher excess will apply.
You can also reduce the amount of the premium you pay for your Westpac Home and Contents Insurance if any of the following discounts apply to you:
When you apply for a quote online, it will automatically include the discounts you are eligible for.
If you need to make a claim, you’ll want help fast. So Westpac simplifies the process through its 5-star rated claims service. Here’s what will happen:
Westpac Home and Contents Insurance offers flexible and comprehensive cover for your home and personal possessions. When combined with the extras it offers such as the sum insured safety net and emergency accommodation, it represents real value for money as well.
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