Why insure through NAB

We partner with Allianz Insurance to cover the things that matter to you most in your home, as well as some of the important belongings you carry with you. Plus save up to 10% on your first year's premium when you quote and buy a new home and/or contents insurance policy online.

You can also call us on 13 29 28 to discuss home and contents insurance.

No claim bonus

You may qualify for up to 30% no claim bonus, if you've had no buildings or contents claims in the past five years , .

Simple quote process

Use our online quote form or simply give us a call to get your quote today.

Quick and easy claims process

Call Allianz Claims to speak with a consultant. Alternatively, you can lodge a claim yourself online 24 hours a day, 7 days a week.

Compare home and contents insurance

Depending on your needs and the type of property you want to insure, you can select either home and contents insurance, or just contents insurance.

These policy overviews are a guide only. For information on the full coverage, exclusion, limits and excesses, read the NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1MB), opens in new window and the NAB Financial Services Guide before applying.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

Home and contents insurance overview

Home insurance covers the structure of your house and other buildings or structures on your insured property, including sheds, fences, and in-ground swimming pool.

What’s included

  • The cost of replacing or repairing damage to your home and contents or your sum insured.

  • Damage or loss from fire and weather events such as bushfires, grassfires, storms, cyclones or lightning. For cyclones, grassfires and bushfires, a 72-hour exclusion period applies.

  • Water damage from fixed pipes suddenly bursting.

  • Up to $20 million in legal liability for payment of compensation for injuries to visitors and damage to property which occurred at the insured address.

What’s excluded

  • Loss or damage caused by flood (unless you've bought flood cover as an option).

  • Deliberate or criminal acts caused by you or your guests.

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

  • Inherent or structural defects, faulty design or poor workmanship.

Contents insurance overview

Contents insurance covers the belongings inside your home. This includes things like furniture, electrical appliances, your clothes, and can also cover the important things you carry with you when you leave home.

Renters, and customers who pay body corporate fees for where they live only need contents insurance.

What's included

  • The cost of replacing or repairing damage to your contents or your sum insured.

  • Theft, burglary, vandalism and malicious acts.

  • Renters only need to cover their belongings with contents insurance. 

What’s excluded

  • Loss or damage caused by flood (unless you've bought flood cover as an option).

  • Deliberate or criminal acts caused by you or your guests.

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

  • Inherent or structural defects, faulty design or poor workmanship.

How to apply

Have this information handy before you start your quote and application:

  1. What your contents are worth and how much it would cost to rebuild your home.

  2. Identify high value items you’d like to insure for a nominated amount.

  3. The security measures you have in place, such as window locks, security systems or alarms.

Check the benefits of your policy level

Find out how home and contents insurance compares to contents insurance.

Home and contents

This table is a summary of the benefits of NAB Home and Contents Insurance.

For full coverage, exclusion, limits and excesses information, read the NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1MB), opens in new window and the NAB Financial Services Guide before applying.

Standard benefits

  • Earthquake or tsunami
  • Explosion
  • Fire or smoke
  • Lightning
  • Vandalism or malicious acts
  • Riot or civil commotion
  • Storm, cyclone, rainwater or run-off
  • Theft or burglary
  • Water or other liquid damage
  • Impact damage
  • Fixtures (buildings cover)
  • Landscaping (buildings cover)
  • Legal liability

Additional benefits

  • Alternative accommodation for you and your pets
  • Vet costs (contents cover)
  • Debris removal
  • Rebuilding and professional fees (buildings cover)
  • Making your home buildings environmentally friendly (buildings cover)
  • Buildings modifications (buildings cover)
  • Building code compliance costs (buildings cover)
  • Guest, visitor and domestic helper property (contents cover)
  • Moving house (Contents cover)
  • Food or medicine spoilage (contents cover)

Optional cover

  • Accidental damage
  • Flood cover (a 72-hour exclusion period applies)
  • Motor burnout (included with the Accidental Damage option)
  • Portable contents (contents cover)
  • Domestic Workers’ Compensation cover (Only available in ACT, WA and TAS)

Contents

This table is a summary of the benefits of NAB Contents Insurance.

For full coverage, exclusion, limits and excesses information read the NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1MB), opens in new window and the NAB Financial Services Guide before applying.

Standard benefits

  • Earthquake or tsunami
  • Explosion
  • Fire or smoke
  • Lightning
  • Vandalism or malicious acts
  • Riot or civil commotion
  • Storm, cyclone, rainwater or run-off
  • Theft or burglary
  • Water or other liquid damage
  • Impact damage
  • Legal liability

Additional benefits

  • Alternative accommodation for you and your pets
  • Vet costs (contents cover)
  • Debris removal
  • Guest, visitor and domestic helper property (contents cover)
  • Moving house (contents cover)
  • Food or medicine spoilage (contents cover)

Optional Cover

  • Accidental damage
  • Flood cover (a 72-hour exclusion period applies)
  • Motor burnout (included with the Accidental Damage option)
  • Portable contents (contents cover)
  • Domestic Workers’ Compensation cover (Only available in ACT, WA and TAS)

Contact us

Lodge a claim online

You can lodge a claim online via the Allianz online claim form.

Lodge a claim via phone

You can lodge a claim over the phone by calling Allianz's Claims line.

1300 555 013

Contact information

Find contact information and resources for your insurance needs.

Terms and Conditions

Insurance

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz) is the insurer and issuer of this insurance. Allianz has entered into a distribution arrangement with National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as Allianz's agent. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz.

NAB is paid commission if Allianz issues you with this insurance (including renewals and variations) and may be entitled to a profit share if certain thresholds are met in agreed periods regarding this and other types of insurance policies entered into under NAB’s arrangement with Allianz. Details are provided in the NAB Financial Services Guide, available in branch, or by calling 13 29 28 or at nab.com.au/fsg.

Neither NAB, nor any of its related bodies corporate, accepts liability or guarantees payment of any claim or benefit in respect of this insurance. A policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate.

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs. You should consider whether the advice is appropriate for your objectives, financial situation or needs and consult the Policy Document and Product Disclosure Statement (PDS) available in branch, by calling 13 29 28 or at nab.com.au/insurance.

For the standard terms, conditions and exclusions about our insurance, please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (if applicable). Target Market Determinations for these products are available at nab.com.au/TMD.

The information on this page about the insurance coverage is a summary only and you should refer to the PDS and the Policy Wording for full terms, conditions, limits and exclusions that apply. Insurance is subject to eligibility criteria.

NAB Home and Contents Key Fact Sheet (Buildings) (PDF, 298KB), opens in new window

NAB Home and Contents Key Fact Sheet (Contents) (PDF, 316KB), opens in new window