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Home and Contents Insurance

With three levels of cover to choose from – Essential Care, Quality Care and Premier Care – we can help ensure you have what you need to rebuild, repair or re-furnish your home.

  • Conveniently arrange your home finance and home and contents cover under the one roof with St.George1
  • Our home and contents insurance covers a wide range of events from fires, storms, burglary or malicious acts, to explosions, floods, lightning, falling trees, even earthquakes
  • Enjoy the added comfort of knowing any damaged belongings will be replaced with new ones, irrespective of age
  • Optional Personal Valuables cover provides added protection for your jewellery and portable devices such as laptops and mobile phones
  • To get an idea of how much cover you need, visit stgeorge.com.au/calculators.
Overview

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 e.g. 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

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 - covers your Building and/or Contents against loss or damage from a wider range of events, with additional benefits and higher limits of cover for your 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.

Cover

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

yes

yes

Yes

Legal liability cover up to $20 million

BC

yes

yes

yes

Jewellery and watches2

C

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

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

Yes Up to $2,000 per item, $10,000 in total

Artworks, collections and collectibles2

C

Yes Up to $3,000

yes Up to $10,000

yes Up to $20,000

Cash, cheques and money orders

C

no

yes Up to $750

yes Up to $1,250

Electrical motor burnout

BC

no

yes For motors up to 15 years old

yes For motors up to 15 years old

Accidental breakage of glass

BC

no

yes

yes

Australia-wide cover for contents temporarily removed from your home

C

no

Up to 20% of the contents sum insured

yes

Accidental loss or damage

BC

no

no

yes

2 For 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 safety net*

BC

yes

yes

Yes

Demolition and removal of debris*

BC

yes

yes

yes

Professional fees+

B

yes

yes

Yes

Costs to comply with Legal or State authority requirements+

B

Yes

yes

yes

Fire Brigade and services charges+

BC

yes

yes

yes

Emergency repairs and protection+

B

yes

yes

yes

Purchasing a home+

B

no

yes

yes

Mortgage discharge+

B

no

yes

yes

External locks and keys

B

no

yes Up to $1,000

yes Up to $2,000

Rainwater tanks and solar hot water systems*

B

no

yes Up to $3,000

yes Up to $5,000

Modifications to buildings for paraplegia and quadriplegia*

B

no

yes Up to $5,000

yes Up to $10,000

Unsecured fixtures and materials during renovations+

B

no

no

yes Up to $2,000

Landscaping and garden re-establishment costs+

B

no

no

yes Up to $10,000

Emergency accommodation*

BC

yes

yes

Yes

Contents moved permanently to a new  site+

C

yes

yes

yes

Temporary accommodation for pets*

C

no

yes Up to $5,000

yes Up to $5,000

Emergency storage of contents+

C

no

yes

yes

Funeral expenses*

C

no

yes Up to $10,000

yes Up to $15,000

Frozen food loss

C

no

yes Up to $500

yes Up to $2,000

Credit card loss

C

no

yes Up to $1,000

yes Up to $5,000

Contents in the open air at the site+

C

no

yes Limited cover

yes

Contents temporarily removed to other places in Australia+

C

no

yes Limited cover

yes

Contents in a bank safe deposit box within Australia

C

no

yes Limited cover

yes

Contents in transit

C

no

no

yes Limited cover

Veterinary expenses

C

no

no

yes Up to $500

Loss of computer records+

C

no

no

yes 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

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

  • To claim, simply call us on 1300 655 489 or click here to submit online
  • If you prefer, you can print a paper form Home and Contents Insurance claim form and send it to us with supporting documentation

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

St.George Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL), except for Domestic Workers Compensation Cover (included with Quality Care and Premier Care policies in WA, Tasmania and the ACT), which is issued by Allianz Australia Insurance Limited ABN 15 000 122 850. St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) distributes the insurance. WGIL is a wholly owned subsidiary of the Bank. However, the Bank does not guarantee the insurance.

This information does not take into account your personal circumstances. Before making a decision about this insurance, read the Product Disclosure Statement to see if it’s right for you.

Key Facts Sheets (KFS)

Product Disclosure Statement

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.

1This insurance is optional and not a condition of the loan. You can choose to cover your property with another insurer.