Comprehensive home cover

Home insurance could help you repair or rebuild your home if it’s accidentally damaged or destroyed. It could even help you with your Westpac Home Loan repayments, and more.

Key benefits & details
 Umbrella Dollar
Cover for your home when things go wrong

Covers your home for accidental damage, including fire, flooding, natural disaster or burglary.


Cover for your Westpac Home Loan

If your home is destroyed, your policy could cover your Westpac Home Loan – up to $1,500 a month for up to three months.  

You can add additional options if you're a landlord

For an additional premium, you can add on optional benefits to further protect your home.

 Learn more about additional options for landlord.

30-Day Free look period

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.


 Umbrella Dollar

Work out how much cover you need

With home insurance you’re covered for repairs or a rebuild up to a maximum amount you choose. This is called your sum insured. If you want to know more about what your sum insured should cover and how you might calculate it, we can help.

How can I save on my premiums?

Increase your excess: You could save money on your premium by increasing your excess.

Over 50s discount : We could offer you a discount if you’re 50 years old or over.

Discounts on other Westpac insurance: If you insure the home you live in with Westpac, you may enjoy a discount on any other contents, vehicle or boat policies you have with us.

You might also like these options:

2x status points

for Landlords

2x status points


2x status points

Vehicle & Car

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. Westpac will receive commission payments as a result of the arrangement of IAG 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 obtained by calling 0800 809 378. The availability of any insurance cover is subject to the acceptance and approval of a complete application.

Any claim payment is subject to your claim being accepted.

What's covered


Your cover includes Up to
Accidental damage to your home, including damage by fire, water, natural disaster or burglary. your sum insured
Westpac home loan repayments in the event of total loss of your home $1,500 a month for 3 months
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 place $2 million
New locks, keys or remote doors openers if they’re lost or stolen (and you live in your home) $2,000 with no excess 
Landscaping costs to restore damage to your garden after your home is damaged $3,000
Hidden gradual damage to the home by leaks from internal pipes, while you own it $3,000
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 die from a fire or burglary at home $5,000 each ($10,000 total)
Post-event inflation protection for natural disaster, flood or storm 10% of sum insured                                                              
Selling your 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 if you lose your home completely $1,000

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. Do read it carefully, so you fully understand