The details shown below are for the Essential Care Residential

The details shown below are for the Quality Care Residential

The details shown below are for the Premier Care Residential

Choose the version of this product that suits you best

  • Essential Care Residential

  • Quality Care Residential

  • Premier Care Residential

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a

Mozo editorial review Westpac Building Insurance - last updated: 11 February 2021

binocular icon
What's hot
  • Underinsurance protection
  • Lifetime guarantee on authorised repairs
  • Pay monthly at no extra cost
What's not
  • No cover for death and injury
Mozo snapshot

Westpac’s building insurance offers three different levels of cover to choose from. These are Essential, Quality and Premier. All three offer underinsurance protection, as well as a lifetime guarantee on authorised or arranged repairs. Along with being able to pay monthly at no cost, there’s also a 15% discount on offer, when you quote and buy online.

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Key features

Whether your home has been through a fire or become a victim of vandalism, Westpac’s Residential Care building insurance has got you covered for heaps of events. 

Plus with all three levels of cover, Essential, Quality and Premier, you will be provided cover for emergency accommodation and underinsurance. For both Quality and Premier cover emergency accommodation is up to 10% of your sum insured or the cost of accommodation for up to 12 months from the date of the event (whichever works out less). Emergency accommodation for Essential Care is capped at $10,000.

Underinsurance protection is provided in the form of a ‘safety net.’ This is a percentage extra that Westpac will pay, if it turns out that you were underinsured. For Essential Care this is up to 10%, Quality is up to 20% and Premier is up to 30% of your sum insured.

Both Premier and Quality Care provide cover for lock and key replacements and unsecured building materials. Essential Care does not. Also, if you opt for Premier Care cover, you will be covered for garden and landscaping costs as well.

Finally, if you quote and buy online, you should be able to snag yourself a 15% discount off your first year’s premium.

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Who is it good for

Westpac Premier Care Residential is a good option for anyone looking to choose a level of building insurance that works well for them.


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Any catches

If you want landscaping and garden cover, you will have to opt for the highest level of Westpac’s building insurance, Premier Care.

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Buildings

Yes

No

No

Yes

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 10% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

No

Up to $10,000

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Buildings

Yes

Up to $1,000

No

Yes

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 20% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

Up to $1,000

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 28 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Buildings

Yes

Up to $2,000

Up to $10,000 for plants

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 30% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

Up to $2,000

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are Westpac home insurance rated by the Mozo community?

Overall
8.0/10
Value for money
7.7/10
Policy coverage
7.9/10
Customer service
8.3/10
Claims handling
7.5/10
Trust
8.0/10

Latest reviews of Westpac Building Insurance Home Insurance

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