Home insurance

It makes sense to protect your biggest financial asset. Home insurance offers simple, affordable options for insuring your home against accidental damage.

More info on our insurance range

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  > to make a claim
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Features of home insurance
Home insurance can provide
cover for your home for accidental damage including by fire, water, natural disaster or burglary  
help with repaying your Westpac home loan—up to $1500 per month, for up to 3 months if you have a total loss  
cover for extras such as replacing lost or stolen keys and locks, temporary accommodation for you and your pets  
flexibility to choose the type and amount of cover you need, and your excess.  
Home insurance excess
The excess is the amount you pay towards the claim yourself.
The minimum excess is
$250 for each claim if you own the house you live in; or  
$300 for each claim if the house is your holiday home.  
If the house is a rental property
the minimum excess is $550.  
If you're 55 or over and live in your own home, you can pay more for your insurance and have no excess at all.
Reducing your home insurance premium
With our home insurance policy, you
can save money on your premium by increasing your excess  
will get a discount if you’re 50 years old or over  
can get a 10% discount on your contents, vehicle and boat cover with Westpac if you're living in your own home and insure it with us.  
Apply for home insurance
To apply for home insurance contact any Westpac branch or call 0800 177 277 (Monday to Friday, 8am to 8.30pm; Saturday, 9am to 3pm).
Westpac Home cover is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by Lumley General Insurance (N.Z.) Limited (“Lumley”). Westpac does not guarantee the obligations of, or any products issued by Lumley.
The information contained on this page is intended as a general guide only and may vary at times. Terms, conditions, exclusions and limits apply. More detail can be found in the policy document which may be obtained from any Westpac branch free of charge. The availability of any insurance cover is subject to the acceptance and approval of a complete application.
The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
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