• If you live in your own home and insure it with Westpac Home Cover, you’ll receive lower premiums on your contents insurance.
  • Cover if you damage someone else’s property - up to $100,000 for injury to another person and up to $2 million in total for all liability for one event.
  • We’ll replace most household items with new ones, no matter how old they are. (For certain items we’ll only pay present day value).
  • 30-day free look period - if you decide the cover is not 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.

Full Cover vs Renter's Cover.

See a comparison below, or visit Renter's Cover for more information .

How much contents cover do I need?

Your “Sum Insured” is the amount for which your contents and personal valuables are covered. You choose the Sum Insured for your contents policy and for some listed items of contents and specified personal valuables.

In some cases, there is a maximum amount payable for certain items and benefits which are outlined in the policy document.

Tips for saving on your premiums.

Increase your excess

You could save money on your premium by doing this.

Get an alarm installed

If you live in your own home and have an approved alarm installed by an approved alarm installer, you could receive lower premiums.

Extra information.


Get a quote and buy online

Quote and buy now

Contact us

Call 0800 177 277 or +64 9 353 5848.
Monday to Friday, 8am to 6pm and Saturday, 9am to 3pm.

Call us

Make a claim.

Contact us 24/7 to make a claim on your contents insurance.

Things you should know.

Westpac Home, Contents, Vehicle and Boat insurance cover is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by IAG New Zealand Limited ("IAG"). None of Westpac Banking Corporation ABN 33 007 457 141, Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, IAG or any member of the IAG group of companies. Westpac will receive commission payments as a result of the arrangement of IAG policies. For IAG’s financial strength rating visit Westpac accepts no responsibility for the availability or content of any third-party websites and makes no representation as to the accuracy or currency of the materials.

Any claim payment is subject to your claim being accepted.

The information contained on this page is intended as a general guide only and may vary at times.

Eligibility criteria apply to discounts. Discounts are applied to the base premium before add-ons, levies, and GST are added. If you get two or more discounts, these will be calculated consecutively. Any discount may apply in part, or not at all, if your premium is below our minimum level. Discounts can be changed or removed at any time. 

Terms, conditions, exclusions and limits apply. More detail can be found in the policy document downloaded here as a PDF, or obtained by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.

The Contents Sum Insured calculator is provided by Sum Insured Pty Ltd ("SI") and provides an estimate sum insured for your contents. This is general information and not financial advice and it does not take into account your particular situation. You must make your own decision on the sum insured that is appropriate for your circumstances. View Sum Insured Pty Ltd’s privacy policy.

Neither IAG New Zealand Limited ("IAG") nor Westpac Banking Corporation ABN 33 007 457 141 nor Westpac New Zealand Limited ("Westpac") (or a relevant related company, as the case may be) take any responsibility for the estimated costs provided by SI nor any liability for the accuracy of or reliance upon or use of, the costs. Access to SI’s calculator is provided for your assistance only. Westpac accepts no responsibility for the availability of the SI calculator.