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Do I really need Home Insurance?

Imagine if a flood, fire or storm wreaked havoc on your home and also caused damage to your personal property – what would you do? A home insurance policy allows you to receive compensation for a specific loss or damage in return for the payment of a premium.

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How much should I insure my house for?

One of the biggest risks when considering home insurance is not taking out enough cover. In the event that your home and/or contents are completely destroyed, you may not have enough money to rebuild the home entirely or replace all of your possessions.

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Do I need Landlord Insurance?

Landlord Insurance can offer peace of mind to investment property owners if something unexpected were to happen. Landlord Insurance provides cover for specific events such as a flood, fire, storm and theft.

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Home Insurance Calculators

It's up to you to determine how much it would cost to replace your property and it can be complex to calculate these replacement costs.
Use our calculators to estimate your replacement costs at today’s prices.

Home Building Insurance Calculator

Estimate the cost to rebuild your house with the Home Building Insurance Calculator.

Details on the benefits paid for your building sum insured are available in the PDS. Calculators on our website are intended as a guide only.

Open Building Calculator

Home Contents Insurance Calculator

Estimate the replacement value of your home contents with the Contents Insurance Calculator.

Details on the benefits paid for your contents sum insured are available in the PDS. Calculators on our website are intended as a guide only.

Open Contents Calculator


Disaster Preparation

View a selection of practical articles on how best to prepare for storms, floods, cyclones or bushfires, along with handy safety and emergency checklists.
Being prepared can make all the difference. 

Bushfire Preparation

Bush fires in Australia are a fact of life. Being prepared for a bushfire can go a long way to protecting you and your property.

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Storm Preparation

A storm can hit at any time, are you prepared? Getting prepared in advance could make all the difference to how you cope before and after a storm.

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The Detail

Cover is subject to your application for insurance being accepted.

Product Disclosure Statements (PDS)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB)  (applicable to policies issued or renewed on or after 1 July 2019)

Home and Contents Insurance Product Disclosure Statement and Supplementary Product Disclosure Statement (PDF 1MB) (applicable to policies initially issued in the period between 30 June 2018 and 30 June 2019; or renewed in the period between 30 July 2018 and 30 June 2019)

This information does not take your personal objectives, circumstances or needs into account. Read the relevant PDS(s) to see if this insurance is right for you.

View the Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. (PDF 87KB)

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable).  Bank of Melbourne  – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance, but does not guarantee the insurance.