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What does Home and Contents Insurance cover?

Building insurance is designed to protect the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Contents insurance protects the belongings you have at the insured address: from your furniture, carpet and appliances to your BBQ and even your clothes, shoes and handbags.

So, if any of the insured events happen during the period of insurance, we’ll generally pay to repair or replace your contents – up to the policy limits.


What you’re covered for

  • 12 insured events

    Cover against common events like fire, theft, storm, cyclones, flood and vandalism. A 72-hour exclusion period applies for loss or damage caused by cyclone, bushfires, grassfires, flood or flood water combined with run-off and rainwater.

  • Rebuilding and professional fees

    If you need to rebuild your home after total loss or damage, St.George will help pay the reasonable costs of architects’, engineers’, surveyors’ and solicitors’ fees up to $5,000.

  • Replacement locks

    St.George will pay up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen or you believe the key has been copied.

  • Debris removal

    In addition to your building sum insured, St.George will pay up to 10% of your building and/or contents sum insured for the removal of debris from the damaged or destroyed part of the buildings.

  • Temporary accommodation

    If your home is damaged by an insured event to the extent that you can’t live in it, we will help pay for temporary accommodation for you and your pets.


What’s not covered

  • Wear and tear

    Wear and tear including depreciation, gradual deterioration, wear and tear or lack of maintenance.

  • Defects

    Inherent defects including faulty design or materials, structural defects or poor workmanship.

  • Illegal contents

    Illegal contents or personal effects which are acquired illegally or are illegally held.

  • Soil movement

    Soil movement including erosion, landslide, mudslide or subsidence unless it is directly caused by and occurs within 72 hours of an explosion, earthquake, tsunami, storm or flood.


For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 1MB) and the Home Building and Home Contents Key Fact Sheets (KFS) before making a decision to purchase the insurance.


Optional Cover

Accidental damage
This option helps protect you in the event of unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building and/or contents.
Portable contents
Protect your mobile, camera and jewellery in the event of theft or an accident when you take them out of your home, even when you are temporarily outside Australia for up to 120 continuous days.
Motor burnout
The motor burnout option covers you if an electrical current damages your household electrical motors.

Special offer

New and existing customers

New policy online discount

Save up to 10% off your first year’s premiums when you buy online.1&2

Combined cover discount

Save up to 10% when you combine your building and contents cover on the one policy.2&4

Why St.George Insurance?

Side-by-side banking
See your insurance policies online alongside your other St.George accounts.5
Payment flexibility
You can pay by the month or yearly – whatever suits you.3
Make your home green
If your home needs to be rebuilt, in addition to your sum insured we will pay up to $5,000 to help you make the new building more environmentally friendly.

We’re here with you every step of the way

1. Get a quote online

Get a fast quote online. You can also buy over the phone or in branch with one of our friendly consultants.

2. Check or change your policy

We are here to help with your insurance needs. We also have optional cover to give you a greater flexibility of cover. Talk to us on 13 33 30.

3. Make a claim

You can also lodge a claim online and get instant lodgement confirmation. How to make a claim.

Frequently asked questions

If you buy St.George Home and Contents Insurance, your insurer will be Allianz Australia Insurance Limited. This means if you need to make a claim, Allianz will be there for you to help you get back on track as soon as possible. For more information about our distribution arrangement with Allianz, see the disclaimer below and our Financial Services Guide (PDF 1023KB)

Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. It’s important to have the right amount of insurance to cover the cost of replacing your home in today’s dollars if the unexpected happens. If you don’t have enough, you may have to cover some of the cost yourself and if you have too much, you may only be paid an amount that covers your loss. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your home building and contents. ^

Insurance purchased prior to 12 December 2021 (no longer for sale)

If you purchased your Insurance before 12 December 2021, here’s where you can find more information about your policy.


Important information

1. Online discount When you buy a new home insurance policy online a discount of up to 10% is automatically applied to your first year’s premium including for Flood, and the following optional covers (if selected); Accidental damage, Motor Burnout and Portable Contents. This discount is not applied on renewal.

2. Minimum premiums If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

3. Instalment premiums If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

4. Combined A premium discount of up to 10% for combining Building and Contents covers on one policy is applied for Building and Contents cover. This includes on optional covers for Motor Burnout and Accidental Damage, but not for Portable contents cover. This discount is not applied to the premium for Flood.

5. Only primary policyholders can see policies alongside their other St.George Bank accounts.

^The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.

St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) can arrange the following insurance but does not guarantee it.

Product Disclosure Statements (PDS)

Home and Contents Insurance Product Disclosure Statement (PDF 1MB) (applicable to policies issued on or after 12 December 2021 or renewed on or after 22 November 2021)

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 33 30.

A target market determination has been made for this product. Please visit for the target market determination.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

St.George's Privacy Policy is available at or by calling 13 33 30. It covers:

  • How you can access the personal information St.George holds about you and ask for it to be corrected;
  • How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
  • How St.George collect, hold, use and disclose your personal information in more detail.