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
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

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

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What's hot
  • Underinsurance protection
  • New for old cover
  • 15% online discount
What's not
  • No cover for demolition costs or temporary repairs
Mozo snapshot

Westpac’s Residential Care is a policy that has your contents covered. With this contents insurance you can choose from three levels of cover, Essential, Quality and Premier. Plus, if you quote and buy online, you could bag yourself a 15% discount on your first year’s premium.

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Key features

Westpac’s Residential Care contents insurance will protect your belongings in a range of circumstances. Insured events include storms, lightning, flooding, fires and theft.

You might also be happy to know that Essential, Quality and Premier Care provide emergency accommodation cover. Emergency accommodation cover for Essential Care is capped at $5,000. While for Quality and Premier it is up to 10% of the sum insured or the cost of accommodation for up to 12 months, whichever one works out less.

Plus, if you have furry friends, Quality and Premier also provide up to $5,000 worth of emergency accommodation for pets. Quality and Premier also provide cover for emergency storage of your contents and cover for contents in a commercial, storage facility. It should be noted that Essential Care does not provide cover for either of these.

Premier Care also provides up to $500 worth of veterinary expenses cover and up to 20% of the sum insured for contents in transit.

When it comes to protecting your contents, you can rest easy knowing nearly all of your standard household items will be covered. Things like cameras and their accessories and other valuable items like jewellery are covered. Although it should be noted that the level of cover you receive, will depend on which level of cover you choose. For instance, while Quality and Premier come with no limit of cover for sporting equipment, cover with Essential Care is capped at $2,000 for these items.

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Who is it good for

Westpac’s contents insurance would work well for anyone who wants the flexibility to choose what level of cover they have and at what price.

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Any catches

How much you are covered for, will vary depending on what level of cover you choose. For instance, if you opt for Essential Care you will not be covered for credit card loss, contents in transit and veterinary expenses.

Details

Rates and fees information correct as at 24 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.
Contents

No

No

Up to $1,000

Computer software: Up to $3,000. Computer hardware: Up to $3,000.

Yes

Yes

Yes

Up to $3,000

Up to $500 per item, up to $3,000 in total

Up to $500 in total

No

No

Yes

No

No

No

Other cover

No

No

No

Up to $5,000

No

No

Up to 10% of sum insured

No

No

Up to 14 days

No

Policy and service features

60

Yes - Up to 5% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

No

No

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.

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

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 24 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.
Contents

Up to $750

No

Yes

Computer software: Yes. Computer hardware: Yes.

Yes

Yes

Yes

Up to $10,000

Up to $1,000 per item, up to $5,000 in total

Up to $1,000

Up to $1,000

No

Yes

Up to $2,000

No

Up to $10,000

Other cover

Up to $10,000 for funeral

No

No

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

Up to $5,000

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

Up to 10% of sum insured

No

No

Up to 14 days

No

Policy and service features

60

Yes - Up to 10% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

No

Up to $2,000 in the open air at the site

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.

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

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 24 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.
Contents

Up to $1,250

No

Yes

Computer software: Yes. Computer hardware: Yes.

Yes

Yes

Yes

Up to $20,000

Up to $5,000 per item, up to $20,000 in total

Up to $2,000

Up to $2,000

No

Yes

Up to $3,000

No

Up to $15,000

Other cover

Up to $15,000 for funeral

No

No

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

Up to $5,000

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

Up to 10% of sum insured

No

No

Up to 14 days

Up to 20% of sum insured

Policy and service features

60

Yes - Up to 20% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Yes

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.

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

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 Contents Insurance Home Insurance

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