• Your home is covered for accidental damage, including fire, flooding, natural disaster or burglary.
  • If you have a Westpac home loan and your home is destroyed, your Westpac home loan could be covered for up to $1,500 a month for up to three months. 
  • For landlords, you can add optional benefits for an additional premium to protect your home from deliberate damage by tenants.
  • 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.

    Understand your Sum Insured.

    Knowing the total cost to rebuild your home can be difficult. Visit our Sum Insured page to get a better idea of what your Sum Insured is, and how to calculate it.

    Add extra cover for landlords for an additional premium.

    Extended cover for chattels

    Add an additional $10,000 of cover to protect your chattels (e.g. appliances, furniture, blinds and drapes) for accidental damage. This is in addition to the automatic cover of $5,000.

    Deliberate damage protection

    Add cover to protect your house and chattels against deliberate damage or theft by a tenant. Also covers loss of rent if your house is uninhabitable as a result, up to 12 months up to a maximum of $25,000.

    Rent protection

    Cover for up to 6 weeks' rent if your tenants leave without notice or up to 12 weeks’ rent if you evict the tenants for not paying rent, up to a maximum of $20,000 in rent.



    Tips for saving on your premiums.

    Increase your excess

    Pay less on your premiums by increasing your excess.

    Enjoy more discounts

    Get discounts on Westpac contents, vehicle and boat policies if you insure the home you live in with us.

    Extra information.


    Get a quote and buy online

    Quote & buy online 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 home 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 (incorporated in Australia), 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 insurance 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.

    Terms, conditions, exclusions and limits apply. More detail can be found in the policy document; visit or call 0800 809 378 for a copy.

    Any claim payment is subject to your claim being accepted.

    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.