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Home and Contents Insurance

Protect your home and treasured possessions

  • Choose from three levels of cover to suit your needs and add optional cover to protect valuable items in and away from your home
  • Conveniently arrange your home finance and home and contents cover under the one roof with St.George1
  • Enjoy new-for-old replacement
  • Save with discounts for combining policies, over 50s, security features, no claims and selecting a higher excess
  • Rely on fast and efficient claims assistance, 24/7.

Cover to suit you

  • Choose Building cover, Contents cover, or both to suit you - as a home, unit, holiday home owner or renter

3 levels of cover

  • Choose from 3 levels of cover for your Building and/or Contents against loss or damage: Essential Care, Quality Care, Premier Care

Optional Personal Valuables cover

  • Choose optional Personal Valuables cover to add to your Contents insurance to protect cherished jewellery, sporting equipment and portable electronic devices in and outside your home

Wide range of insured events

  • Insured events in Building and Contents cover include fire, storm, burglary, malicious acts, explosion, flood, lightning, escape of liquids, falling trees or branches, earthquake and more

New-for-old

  • New-for-old replacement regardless of age

Artworks and jewellery

  • Cover for your artworks, collections, collectibles, jewellery and watches included; limits apply so list additional items on your Contents policy

Extra cover

  • Above and beyond your Building and/or Contents cover there's extra cover included
  • Removal of debris, emergency accommodation, professional fees eg engineer, and an eco-friendly rainwater tank and solar hot water system in case of a re-build

Pay by the month

  • Pay by the month at no extra cost

Discounts

  • Discounts on your policy for combining policies; if you are over 50; if you've been claim-free for the last two years; for choosing a higher excess or for installing security features

3 easy steps to protect your home and contents

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.

  • Building insurance – covers your home Building against loss or damage
  • Contents insurance – covers your Contents against loss or damage
  • Personal Valuables cover – can be added to Contents policy for items you consider to be valuable or take outside your home.  

Step 2: Choose the level of cover you want 

With Building and Contents cover you can choose from three levels of cover.

  • Essential Care - provides a basic level of cover to protect your Building and/or Contents against loss or damage
  • Quality Care - includes Essential Care, but with extra coverage, additional benefits and higher limits of cover for valuables
  • Premier Care - all the benefits of Quality Care with the extra protection of cover for accidental loss or damage anywhere in Australia, with more benefits and even higher limits of cover for your valuables.

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.

Step 2: Choose your level of cover 

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.

Extra 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 *  *  * 
Professional fees+ B *  *  * 
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 *  * 
Mortgage discharge+ 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
Emergency accommodation* BC *  * 
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.

  • To cover jewellery and watches totalling more than the limits, you can take out optional Personal Valuables cover. 
  • To cover artwork, collections and collectibles totalling more than the limits, you can list them as 'specified items' within your Contents policy.

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).

How to claim

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...

  • Advise the police immediately if the damage is malicious, property has been stolen or lost or your home has been illegally entered
  • Don’t allow anyone to repair the property until we have had a chance to inspect it.

Step 3: Provide us with the following information

  • We’ll send you a letter confirming your claim and case number, plus any further information or documents we may need you to provide, such as copies of original receipts for items you’re claiming and the police report.

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

Email: hcclaims@stgeorge.com.au

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.

Important information

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.