Compare our home and contents insurance options

Home insurance and contents insurance are often talked about together. And that makes sense, because they’re complementary insurances that protect your home, and your belongings. But they’re two different things! So it pays to compare what you’d be getting with each one.

Here’s a comparison between what our home and contents insurance products can give you.

Cover for Home Insurance Comprehensive
Contents Insurance
Renters Contents
Insurance
Accidental damage to your property or contents anywhere in NZ  ✔  ✔  ✔
Personal liability  ✔
$2 million
 ✔
$2 million
 ✔
$2 million
Westpac Home Loan payments  ✔  X
Lost or stolen keys  ✔
$2,000
 ✔
$2,000
 X
Temporary accommodation  ✔
$25,000 for up to
12 months

$25,000 for up to
12 months
 ✔
$5,000 for up to
6 months
Hidden gradual damage  ✔
$3,000
 ✔
$3,000
Stress payment  ✔
$1,000
 ✔
$1,000
 X
Valuable items (such as jewellery)  ✔
$3,000 per item (can specify higher limit)
 ✔
$1,500 per item (can specify higher limit)
New for old on most household items  X  ✔  ✔
Limited Cover
Damage caused by pets  ✔
$1,000
 ✔
$1,000
 X
Overseas travel – Pacific / Australia for up to 3 weeks  X  ✔
$5,000
 X
Young person’s benefit – cover away from home  X  ✔
$5,000
 X
Paintings and art  X  ✔
$10,000 per item
unless specified
 ✔
$1,500 per item
unless specified
Wedding/Christmas gifts  X  ✔  X
Watercraft  X  ✔
$3,000
 ✔
$1,500
Money and vouchers  X  ✔
$500
 ✔
$250

See full benefits of home insurance

See full benefits of comprehensive contents

See full benefits of renters’ contents