Westpac Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Premier Care Residential (Home & Contents)

The details shown below are for the Essential Care Residential (Home & Contents)

The details shown below are for the Quality Care Residential (Home & Contents)

Choose the version of this loan that suits you best

  • Premier Care Residential (Home & Contents)

  • Essential Care Residential (Home & Contents)

  • Quality Care Residential (Home & Contents)

Westpac Home & Contents Insurance

Westpac Home & Contents Insurance

Westpac Home & Contents Insurance

Mozo Review   Westpac Home & Contents Insurance Review

Last updated: 30 October 2019.

What's hot:
  • Multiple 2019 Mozo Experts Choice Award winner

  • Multiple discounts

  • New for old cover

  • Underinsurance protection

What's not:
  • No cover for identity theft

Mozo snapshot:

Westpac Premier Care Residential has been awarded not one, but two 2019 Mozo Experts Choice Awards for Exceptional Quality and Exceptional Quality Home and Contents Insurance, thanks to the policies outstanding level of cover and benefits. Not only is new for old available, you also be covered for underinsurance while receiving a 25% discount for applying online and combining policies and if you’ve got a great claim history, you might also have a claim bonus coming your way.

Key features:

No matter what your home or contents go through, from fires to glass breakage and explosions, it’s safe to say that Westpac Premier Care Residential has got it under control. Other events you can be expected to be covered for include storms, fusion, theft and so much more. When it comes to protecting your contents, Premier Care Residential won't let anything happen to your cash or credit cards, jewellery, antiques and other valuables that make your home special.

If you ever need any help with your gates, landscaping or building’s structure, Premier Care Residential will take care of that too. Plus, you don’t ever need to worry about your pet, as veterinary expenses will also be covered along with other issues that can pop up every now and again, like a lock replacement or temporary repairs.

However, you will need to keep in mind that power surges, identity theft, any stock or inventory and uncut gems will not be covered.


Who it's good for:

Westpac Premier Care Residential is the perfect choice for anyone who takes pride in their home and wants to have incredible cover. 


Any catches?

While Westpac Premier Care Residential aims to provide a bulletproof policy, keep in mind that they don’t offer cover for identity theft. To combat this, it’s recommended that you always practise credit card safety and not give out your banking details over the phone or by email.

Details

Rates and fees information correct as at 9 December 2019. 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.
Policy and service features
  • 60

  • Yes - Up to 30% of building sum insured

  • $100

  • 25% online discount, 10% combined policy discount, over 50s, no claim bonus, security systems

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Up to 15 years old

Buildings
  • Up to $2,000

  • Up to $10,000 for plants

Contents
  • Up to $1,250

  • Up to $5,000

  • Up to $20,000

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

  • Up to $2,000

  • Up to $3,000

  • Up to $15,000

Other cover
  • Up to $15,000 for funeral

  • Up to $500

  • Up to $2,000

  • 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 combined with demolition cost

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

  • Up to 14 days for contents

  • Up to 20% of sum insured

Details

Rates and fees information correct as at 9 December 2019. 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.
Policy and service features
  • 60

  • Yes - Up to 10% of building sum insured

  • $100

  • 25% online discount, 10% combined policy discount, over 50s, no claim bonus, security systems

  • Up to $20,000,000

  • n/a

  • n/a

Events
Buildings
Contents
  • Up to $1,000

  • Yes, up to $3,000

  • Up to $3,000

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

Other cover
  • Up to $10,000

  • Up to 10% of sum insured combined with demolition cost

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

  • Up to 14 days for contents

Details

Rates and fees information correct as at 9 December 2019. 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.
Policy and service features
  • 60

  • Yes - Up to 20% of building sum insured

  • $100

  • 25% online discount, 10% combined policy discount, over 50s, no claim bonus, security systems

  • Up to $2,000 for loss or damage caused by the insured events of storm, flood and theft, and up to 20% of the sum insured for all other insured events

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Up to 15 years old

Buildings
  • Up to $1,000

Contents
  • Up to $750

  • Up to $1,000

  • Up to $10,000

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

  • Up to $1,000

  • Up to $2,000

  • Up to $10,000

Other cover
  • Up to $10,000 for funeral

  • Up to $1,000

  • 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 combined with demolition cost

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

  • Up to 14 days for contents

Customer Reviews

How are Westpac home insurance rated by the Mozo community?

Overall customer rating
8.0/10
Value for money
7.6/10
Policy coverage
7.8/10
Customer service
8.2/10
Claims handling
7.4/10
Trust
7.9/10

Latest reviews of Westpac Home & Contents Insurance

  • Overall
    0/10
    We advise the public to stay clear of this lot.

    We are shocked that a part of Westpac could behave so badly. They appear to resist most water...

    We are shocked that a part of Westpac could behave so badly. They appear to resist most water damage claims although it is in their cover. They used an assessor, named MK3 that seeks out any negativity in the property no matter how irrelevant to the claim. Then they reverted to their general exclusion clauses and they do not enter into sincere discussion. They breached our privacy and they ignored the Insurance Contracts Act. We are taking them all the way. We will make them pay.

    Value for money
    5/10
    Policy coverage
    5/10
    Customer service
    8/10
    Claims handling
    0/10
    Trust
    0/10

    Robert | New South Wales

    reviewed 19 days ago

  • Overall
    6/10
    Descent

    The staff can answer your questions.

    The staff can answer your questions.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    7/10
    Claims handling
    6/10
    Trust
    6/10

    Michelle | Queensland

    reviewed almost 2 years ago

  • Overall
    10/10
    Customer service

    Only had one small claim and had no problems

    Only had one small claim and had no problems

    Value for money
    8/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Gail | South Australia

    reviewed almost 2 years ago

  • Overall
    9/10
    Competitive premiums and customer service great

    All claims over the years 30+ have been handled efficiently with the minimum of fuss. Couldn't...

    All claims over the years 30+ have been handled efficiently with the minimum of fuss. Couldn't want anything more re Home & Contents Insurance.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10

    Peter | Queensland

    reviewed almost 2 years ago

  • Overall
    0/10
    Poor customer service, no communication

    No proper communication, felt was left in a dark area.

    No proper communication, felt was left in a dark area.

    Value for money
    6/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Mouli | Queensland

    reviewed over 2 years ago

Westpac

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