Home Insurance.

Benefits.

Flexible cover. We offer three levels of cover to fit your home, lifestyle and budget. You can select the option that works best for your needs, with room to adjust over time.
Your house is covered for sudden and accidental damage, including fire, flooding or natural disasters. If it’s totally destroyed by fire, we’ll pay up to 20% extra cover on top of your sum insured (excluding fires from natural hazards).
Natural hazard risk-based pricing. A fairer way to assess your home and the risk of selected natural hazards.
15-day free look. If you decide the cover isn’t for you during the free look period, just let us know and we’ll refund any premiums you’ve paid, unless you’ve made a claim.
Get extra to go green. Need to rebuild from scratch? Get up to $15,000 more to upgrade to sustainable products to reduce your carbon footprint and rebuild better (excludes damage caused by natural hazards).

What’s covered.

Choose from three levels of cover to suit your budget and needs, whether you’re buying a first home or moving to a new home.

Premium cover: Our highest level of cover for your home in the event of sudden and accidental damage, such as fire. Also features added benefits like temporary accommodation cover up to $30,000 and hidden gradual water damage up to $3,000*.

Plus cover: A practical option for your home in the event of sudden and accidental damage, such as fire. Additional benefits include hidden gradual water damage up to $2,000* and temporary accommodation cover up to $25,000.

Standard cover: Our most affordable house insurance policy that covers some essentials. Also includes cover for hidden gradual water damage up to $1,000*, and temporary accommodation up to $15,000.

*Limited to gradual damage caused by water leaks from hidden internal pipes, hoses or water tanks.

	Premium	Plus	Standard
Replacement to sum insured If your home is completely destroyed, we'll pay up to the sum insured amount on your policy to rebuild your home. Learn more about sum insured.	✓	✓	✓
Extended sum insured for fire If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural hazards.	✓	✓	✓
Carpets extended replacement If you have matching carpet throughout your home and some of it’s damaged, if we can’t find a suitable match, we’ll replace the lot.	✓	✕	✕
Hidden gradual water damage We'll repair damage to your home which is caused over time by a leak or overflow from an internal water pipe, hose, or tank.	Up to $3,000	Up to $2,000	Up to $1,000
Sustainability upgrade If your house is destroyed, we'll provide up to $15,000 for you to add or upgrade to sustainable products in your new house. Excludes losses caused by a natural hazard.	Up to $15,000	Up to $15,000	Up to $15,000
Temporary accommodation We'll contribute toward the cost of temporary accommodation if your home suffers damage that makes it uninhabitable as a result of an insured event. This excludes claims for hidden gradual water damage.	Up to $30,000	Up to $25,000	Up to $15,000
Damage caused by a natural hazard If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.	✓	✓	✓
Landscaping You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.	Up to $5,000	Up to $2,000	Up to $1,000
Glass breakage reduced excess If your claim is only for glass breakage, we’ll reduce your excess.	$100 excess	$200 excess	✕
Garden retaining walls Cover for garden retaining walls automatically included.	Up to $50,000	Up to $25,000	Up to $10,000
Keys and locks We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.	✓	Up to $1,000	Up to $500
House under minor alteration Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.	Up to $50,000	Up to $20,000	Up to $10,000
Liability protection If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.	✓	✓	✓
Pay only one excess Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.	✓	✓	✓
Policy wording	Download	Download	Download

This is a summary only. Limits apply. Westpac insurance is underwritten by Tower Limited.

Get a quote and apply online.

Already a Westpac customer?

Get an insurance quote in Westpac One® digital banking in minutes. If you’re not registered for Westpac One, call us on 0800 400 600 and press 6, or visit your nearest branch.

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Make a claim.

1

Submit your claim online

Submit your claim online, giving as much information as possible.

2

We’ll review your claim

We’ll assess your claim and may contact you if we need more information.

3

Stay updated every step of the way

We'll keep you updated throughout the process. You can check your claim status and get your claim manager's direct dial number anytime from Westpac One.

Make a claim

Other information.

Calculate your sum insured

The sum insured is the maximum amount your insurance policy will pay out if your home needs rebuilding and your claim is accepted. The Cordell Sum Sure calculator makes it easy to estimate your sum insured and gives you a figure to start with – especially if you’re organising insurance for the first time or reviewing your cover.

Need landlord insurance?

Discover the tailored benefits of our Landlord’s Plus policy. It includes cover for deliberate damage caused by tenants or their guests, loss of rent and legal liability protection. Policy limits apply.

FAQs.

Things you should know.

Please read the policy wording to understand the terms, conditions, excesses, limits, sub-limits and exclusions that may apply. Cover is subject to the current underwriting criteria. Claims payments are subject to cover and approval.

Westpac general insurance products are arranged by Westpac New Zealand Limited (Westpac) and underwritten by Tower Limited (Tower). None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, Tower or any member of the Tower group of companies. Westpac will receive commission payments as a result of the arrangement of Tower policies.