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Westpac Home Cover offers you a full range of comprehensive cover.  It also gives you some great options as a landlord.  By adding on landlord insurance you can give your rental property the protection you’re after.

 What's covered by Westpac Home Cover

You're covered for Up to
Temporary accommodation for you and your dogs and cats if you live in your home and it’s damaged and unable to be lived in  12 months (max $25,000)
Liability for damage to someone else's property because of an accident at your home $2 million
New locks, keys or remote door openers if they're lost or stolen (and you live in your home is damaged) $2,000 with no excess
Landscaping costs to restore damage to your garden afer your home is damaged $3,000
Damage caused by your pets $1,000
Security after loss (with no excess) to help you secure your home against further loss $2,000
Fatal injury benefit - A payment to your estate if you or your spouse ide from a first or burgulary at home $5,000 each ($10,000 total) 
Post-event inflation protection for natural disaster, flood or storm 10% of sum insured
Selling you home - If your home is damaged before settlement, the purchaser could also be covered for any loss of deposit The amount of the deposit
Stress Payment $1,000

What extra cover you can add as a landlord

You could also be covered for Up to
Extended cover for chattels $15,00
Deliberate damage caused by tenants $25,000
Rent protection, e.g. if the tenant leaves or is evicted without paying rent owed 6 weeks (12 weeks for eviction). Max $20,000

Read your policy

You’ll find more details about your cover, including conditions, exclusions and limits that apply, in the Home Cover section of the Westpac Home, Content, Vehicle and Boat Cover policy. Download here. Do read it carefully, so you fully understand your cover.


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With our 30-Day Free look, if you decide the cover is not for you during the free look period, just notify us and we’ll refund any premiums you’ve paid.


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Westpac Home Insurance, Full Cover Contents Insurance and Renters Content Insurance is arranged by Westpac New Zealand Limited ("Westpac") and underwritten by IAG New Zealand Limited (“IAG”). Westpac does not guarantee the obligations of, or any products issued by Lumley, a business division of IAG. Westpac may receive commission payments as a result of the arrangement of Lumley policies. For IAG’s financial strength rating please click here.

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 (downloaded here as a PDF), or by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.

Any payment is subject to your claim being accepted.