Cover to suit you
3 levels of cover
Optional Personal Valuables cover
Wide range of insured events
Artworks and jewellery
Pay by the month
For peace of mind that you've covered your most important possessions, St.George offers comprehensive, flexible Home and Contents Insurance. Secure your finance and your insurance under the one roof with St.George and rest easy knowing you're protected.
Step 1: Choose which cover you need
Choose between Building and/or Contents insurance, depending on whether you own a home, a unit in a strata title, or are renting. For maximum flexibility these are separate policies, so you can choose one or both, and choose different levels of cover (see Step 2) for each.
Step 2: Choose the level of cover you want
With Building and Contents cover you can choose from three levels of cover.
See 'Cover level' for what's included and the limits in each level of cover.
Step 3: Apply
It's easy to apply by calling us or applying online. We can assist you with the details to ensure you're protected today
See How to apply or renew.
To choose your level of cover, compare these key differences of the three levels of home and contents protection.
B = Included with Building cover
C = Included with Contents cover
|Insured events/cover||Essential Care||Quality Care||Premier Care|
|Storm, fire, theft, flood, lightning, malicious damage, and more||BC|
|Legal liability cover up to $20 million||BC|
|Jewellery and watches2||C||Up to $500 per item, $3,000 in total||Up to $1,000 per item, $5,000 in total||Up to $2,000 per item, $10,000 in total|
|Artworks, collections and collectibles2||C||Up to $3,000||Up to $10,000||Up to $20,000|
|Cash, cheques and money orders||C||Up to $750||Up to $1,250|
|Electrical motor burnout||BC||For motors up to 15 years old||For motors up to 15 years old|
|Accidental breakage of glass||BC|
|Australia-wide cover for contents temporarily removed from your home||C||Up to 20% of the contents sum insured|
|Accidental loss or damage||BC|
2For more cover than the automatic limits, specify items or take out optional Personal Valuables cover.
In addition to the sum insured, your Building and/or Contents cover comes with additional benefits, making it easier for you to get your home back to normal. Some additional benefits are paid in addition to the sum insured and some are paid as part of the sum insured.
|Additional benefits~||Essential Care||Quality Care||Premier Care|
|Sum insured safetv net*||BC|
|Demolition and removal of debris*||BC|
|Costs to comply with Legal or State authority requirements+||B|
|Fire Brigade and services charges+||BC|
|Emergency repairs and protection+||B|
|Purchasing a home+||B|
|External locks and keys||B||Up to $1,000||Up to $2,000|
|Rainwater tanks and solar hot water systems*||B||Up to $3,000||Up to $5,000|
|Modifications to buildings for paraplegia and quadriplegia*||B||Up to $5,000||Up to $10,000|
|Unsecured fixtures and materials during renovations||B||Up to $2,000|
|Landscaping and garden re-establishment costs+||B||Up to $10,000|
|Contents moved permanently to a new site+||C|
|Temporary accommodation for pets*||C||Up to $5,000||Up to $5,000|
|Emergency storage of contents+||C|
|Funeral expenses*||C||Up to $10,000||Up to $15,000|
|Frozen food loss||C||Up to $500||Up to $2,000|
|Credit card loss||C||Up to $1,000||Up to $5,000|
|Contents in the open air at the site+||C||Limited cover|
|Contents temporarily removed to other places in Australia+||C||Limited cover|
|Contents in a bank safe deposit box within Australia||C||Limited cover|
|Contents in transit||C||Limited cover|
|Veterinary expenses||C||Up to $500|
|Loss of computer records+||C||Up to $3,000|
~ limits and exclusions apply. Refer to PDS. Table applicable to cover dated 21 September 2013 onwards.
* paid in addition to your home and/or contents sum insured.
+ paid as part of your building and/or contents sum insured.
Special contents and personal valuables
Within a Contents policy you have automatic, but limited cover, for jewellery, watches, artwork and collectibles that are usually kept in your home.
Need more detail?
It's important to understand what you are and aren't covered for. For the policy details, check the St George Home and Contents Insurance Product Disclosure Statement, dated 21 September 2013 (applicable to policies issued, renewed or varied on or after 21 September 2013).
When something happens to your home and the things you love, we know you’ll want help fast. So making a claim with us is simple.
Step 1: Submit your claim
Step 2: You also need to...
Step 3: Provide us with the following information
How long does it take to settle a claim?
If no further information is needed, we’ll settle your claim within 10 business days after receiving your documentation.
Like some help?
If you need to send in documents relating to your claim, our details are below.
Please note your claim number on the documents or subject line:
Fax: 1300 200 850
Postal: GPO Box 4451
Sydney NSW 2001
If you need assistance, or want to track your claim, call us on 1300 655 489 and quote your case number.
The St George Home and Contents Insurance Product Disclosure Statement, dated 21 September 2013 (applicable to policies issued, renewed or varied on or after 21 September 2013) is important and we encourage you to read, save and/or print it. If you would like a paper copy, please call 13 33 30.
If you need to make a claim, call us on 1300 655 489, 24 hours a day, 7 days a week, or download a claim form here.
The advice on this webpage is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before acting on this advice and making a decision about Home and Contents Insurance, you should consider the appropriateness of the advice, and the current St George Home and Contents Insurance Product Disclosure Statement, dated 21 September 2013 (applicable to policies issued, renewed or varied on or after 21 September 2013) having regard to your personal circumstances.
St.George Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 33 007 457 141 (WGIL) and distributed by St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (St.George). WGIL is a wholly owned subsidiary of Westpac Banking Corporation (Bank). In arranging this insurance, St.George acts under the Bank's Australian Financial Services Licence.
This policy is not an investment in or deposit with the Bank. Neither the Bank, St.George nor any member of the Westpac Group (except St.George as policy distributor and WGIL as issuer) guarantees the insurance benefits under the policies, or has any liability in connection with the policy or this information. Conditions, limits, and exclusions on cover apply, which are explained in the PDS.
1This insurance is optional and not a condition of the loan.