How do I make a home insurance claim with Westpac?

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: Ensure that you, your family and your property are safe. Call the police if necessary. Call Westpac on 1300 369 989 or print out the online claim form. Lodge your claim, along with any required documents or additional information you may be asked for. Westpac will send you a letter confirming your claim and case number. Westpac will appoint an assessor to inspect any damage to your home. Westpac will notify you if your claim is accepted and, if so, it will be settled within 10 business days.

Do I have to pay an excess when I make a claim with Westpac?

The excess is the amount you need to pay towards any claim. With Westpac home and contents insurance, you can opt to pay as little as $500 or as much as $10,000. Westpac offers the following basic excess options: $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $2,000 $3,000 $5,000 $10,000

Who is the underwriter for Westpac home insurance?

Westpac home insurance is now issued and underwritten by Allianz Australia Insurance Ltd. Up until recently, its policies were underwritten by Westpac Australia Insurance Limited.

Who is eligible for a Westpac home insurance policy?

A Westpac home building or contents insurance product is suitable for those who: Own or have a legal interest in a residential property in Australia Need building or contents cover to cover the financial costs of repairing, rebuilding or replacing the insured building or items in the event that it is damaged, destroyed or lost as a result of an insured event Need legal liability cover

Westpac home insurance review

3.9 (227 reviews) Write a review

Westpac home insurance offers monthly payments at no extra cost.
An automatic sum insured safeguard is included, which many other insurers charge extra for.
Westpac's underwriter, Allianz, recorded fewer home insurance complaints than some larger insurers.

Our verdict

You get a sum insured safeguard automatically included; it's a financial safety net in case you're accidentally underinsured. Most insurers available on Finder make you pay extra for this or don't even offer you the option.

Its $20,000,000 legal liability limit is likely to be enough for most but some insurers offer up to $10 million more.

Finder Score	Fire, Storm & Theft Damage
9.1 Excellent Westpac Building Insurance	9.1 Excellent	Optional	Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.	View details Compare product selectionCompare	loading
9.4 Excellent Westpac Contents Insurance	9.4 Excellent	Optional	Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.	View details Compare product selectionCompare	loading
9.2 Excellent Westpac Home and Contents Insurance	9.2 Excellent	Optional	Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.	View details Compare product selectionCompare	loading

Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

What does Westpac home insurance cover?

With Westpac home insurance, you have the choice of a combined home and contents insurance policy, building insurance, contents insurance and landlord insurance. You can also choose from essential, quality and premier care options.

Here's a quick overview of the main insured events you'll be covered for with Westpac home insurance.

fire icon

Fires

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Theft

water tap icon

Escape of liquid

thunderstorm icon

Storms

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Malicious damage

All policies come with a basic excess. You can opt to pay as little as $500 or as much as $10,000. They also come with a cooling off period of 14 days. If you cancel your policy within this time frame, you can get a full refund.

Here's a breakdown of Westpac home insurance features

Standard features
Optional add-on
Exclusions

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Standard features

Here are some of the standard inclusions you'll get with a Westpac premier care home insurance policy.

Sum insured safety net
Malicious acts and unrest
Storm, flood, fire, lightning, earthquake, impact, explosion
Accidental glass breakage

Emergency accommodation
Theft
Escape of liquid
Legal liability cover

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Optional add-ons

Westpac home insurance has loads of inclusions, so there are only a few optional add-ons available:

Portable content
Electrical motor burnout
Accidental loss or damage

Exclusions

Westpac will not pay your claim for any of the following reasons:

Events covered by a warranty, guarantee or service contract
Defects
Wear and tear
Landslide

Damage by vermin or insects
Unlawful acts
Tree roots
Loss or damage if your home is unoccupied for more than 60 days

Make sure you read Westpac's PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.

Westpac home insurance complaints information

Allianz Australia, the brand that underwrites Westpac home insurance, was the subject of 765 home insurance complaints and 138 contents insurance complaints in the 2024/25 financial year. However, Allianz Australia is categorised as a "very large" insurer. AAI, another "very large" insurer, received 1,560 home insurance complaints and 384 contents insurance complaints in the same time period.

Comparison of complaint data from major home insurers.

Home insurance complaints - Westpac · dw:dJuD2
Underwriter	Provider	Complaints received (building)	Complaints resolved at registration & referral (building)	Referral resolution rate	Complaints received (contents)	Complaints resolved at registration & referral (contents)	Referral resolution rate
Allianz Australia Insurance Limited	Westpac	765	205	27.2%	138	42	32.06%
Insurance Australia Limited	NRMA	925	411	42.33%	240	123	50.83%
AAI Limited	AAMI	1,560	825	51.66%	384	204	56.20%
QBE Insurance (Australia) Limited	Defence Service	680	214	31.66%	58	19	32.76%

Bottom line about Westpac home insurance

Westpac home insurance is ideal if you want an affordable home insurer with a relatively good complaints record, but less so if you're looking for lots of add-ons.

If you're not yet ready to take out a policy, you can compare Westpac home insurance policies side-by-side with other providers here.

FAQs about Westpac home insurance

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:
- Ensure that you, your family and your property are safe.
- Call the police if necessary.
- Call Westpac on 1300 369 989 or print out the online claim form.
- Lodge your claim, along with any required documents or additional information you may be asked for.
- Westpac will send you a letter confirming your claim and case number.
- Westpac will appoint an assessor to inspect any damage to your home.
- Westpac will notify you if your claim is accepted and, if so, it will be settled within 10 business days.
The excess is the amount you need to pay towards any claim. With Westpac home and contents insurance, you can opt to pay as little as $500 or as much as $10,000.
Westpac offers the following basic excess options:
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
$1,400
$1,500
$2,000
$3,000
$5,000
$10,000
A Westpac home building or contents insurance product is suitable for those who:
- Own or have a legal interest in a residential property in Australia
- Need building or contents cover to cover the financial costs of repairing, rebuilding or replacing the insured building or items in the event that it is damaged,
  destroyed or lost as a result of an insured event
- Need legal liability cover

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Leave a Westpac home insurance review

If you've held or currently hold a Westpac home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Westpac is right for them. Some reviews are from a survey commissioned by Finder.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 520 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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2 Responses

BRIANNovember 12, 2018

price on home &contents insurance, thank you, Brian.

NikkiNovember 12, 2018

Hi Brian,

Thanks for getting in touch. Kindly note to get a quote for Home and Contents Insurance, you may contact Westpac directly. You can find their contact details on their website. Hope this helps!

Cheers,
Nikki

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Westpac home insurance review

Westpac home insurance is often cheaper than other providers and you can pay monthly at no extra cost, unlike others.