Home and contents insurance

Protect your house and the things inside that make it home. For peace of mind, get the right insurance with NAB Home Insurance or NAB Home Insurance Essentials.

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Here's what you get:

Cover for your house and the contents inside
Cover options to suit your budget and protection needs
12 months’ Emergency Home Assistance at no extra cost (excludes renters)¹
Access to our 24/7 claims lodgement service
A range of ways to save on your insurance premium

Ready to roll?

Make sure you know what your contents are worth and how much it would cost to rebuild your home
Identify high value items you’d like to insure for a nominated amount
Know the security measures you have in place, such as window locks, security systems or alarms
Decide which portable items (Personal Effects) you need covered away from your home and for how much
Ensure you keep receipts for valuable items

Keep in mind, information on this page is just a snapshot. Certain things are excluded, some situations aren't covered and sub-limits apply. Details on what's covered and what's not, the most you can be paid, and excesses that apply are in the NAB Home Insurance Product Disclosure Statement (PDF, 819KB) and NAB Home Insurance Essentials Product Disclosure Statement (PDF, 808KB). It's important you read these together with the NAB Financial Services Guide before buying a policy.

The cost of replacing or repairing damage to your home and contents or your sum insured if it's lower
Damage or loss from fire and weather events such as bushfires, grassfires, storms, cyclones or lightning
Water damage from pipes suddenly bursting
Theft, burglary, vandalism and malicious acts
Up to $20 million in legal liability for compensation for injuries to visitors and damage to their property

This summary is a guide only. Please read the Product Disclosure Statements for NAB Home Insurance (PDF, 819KB) and NAB Home Insurance Essentials (PDF, 808KB) carefully to understand what's covered and excluded (especially concerning water damage), which situations aren't covered, sub-limits, the most you can be paid, and excesses that apply.

Flood cover

Optional flood cover for eligible properties²

Portable contents

Optional cover for portable contents (Personal Effects) like cameras, sunglasses or jewellery³

Specified contents

Insure your valuable items for a greater amount than offered on our general contents limits

Step 1 Get a quote online now - or call us on 13 29 28
Step 2 Buy online - it's easy and secure
Step 3 Make a claim anytime using the 24/7 claims lodgement service

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	NAB Home Insurance Buildings & Contents _{Our highest level of cover}	NAB Home Insurance Essentials Buildings & Contents
Standard Benefits
Loss or damage due to: Accidental glass breakage Earthquake and tsunami Explosion Fire or smoke Lightning or Thunderbolt Malicious acts Riot or civil commotion Storm, rainwater or run-off Theft, burglary or house break-in	✔ Sub-limits apply	✔ Sub-limits apply
Legal liability cover	✔ Up to $20 million	✔ Up to $20 million
Electric motor burnout (fusion)	✔ Electric motors up to 10 years old	✖
Credit cards - Cover for fraudulent use or lost or stolen cards	✔ Up to $5,000	✔ Up to $5,000
Property of guests, visitors and domestic helpers	✔ Up to $5,000	✔ Up to $5,000
Spoilage of refrigerated or frozen food	✔ Up to $500	✖
Compensation for fracture	✔ Sub limits apply	✖
Temporary removal of contents from your insured address	✔ Sub limits apply	✔ Sub limits apply
Landscaping	✔ Up to $2,000	✖
Tax audit	✔ Up to $5,000	✖
Replacement of locks or cylinders	✔ Up to $1,000	✔ Up to $1,000
Security firm attendance	✔ Up to $500	✔ Up to $500
Contents in the open air at your insured address (sub-limits apply for selected contents based on events causing the loss or damage. See the Product Disclosure Statement for details)	✔	✔
Emergency storage of contents	✔	✔
Automatic indexation of sums insured	✔	✔
Contents in a safe deposit box at a bank (excludes cover for theft)	✔ Sub-limits apply	✔ Sub-limits apply
Environmental benefits when rebuilding after a total loss (ie. solar panels, water tanks)	✔ Up to $5,000	✔ Up to $5,000
Mortgage discharge costs	✔ Up to $5,000	✔ Up to $5,000
Modifications to buildings for paraplegia or quadriplegia	✔ Up to $10,000	✔ Up to $10,000
Title deeds	✔ Up to $2,000	✔ Up to $2,000
Optional covers
Flood cover²	Optional	Optional
Personal effects³	Optional	Optional
Domestic Workers' Compensation cover (Only available in ACT, WA and TAS)	Optional	Optional

If I purchase NAB Home Insurance, who is my insurer?

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) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as its agent, not yours. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz. This means, if you purchase NAB Home Insurance, and need to make a claim, Allianz are there for you – helping you get back on track again as soon as possible.

Do I need building insurance if I pay body corporate fees or if my property has a strata title?

Your building may already be covered. Before you take out building insurance, we recommend you check with your body corporate or strata title manager first.

I'm a renter - can I just get contents insurance?

Yes, you can purchase a contents-only policy with the option to add cover for your portable contents (Personal Effects) away from home.

If I make a claim, how will my possessions be repaired or replaced?

Allianz has agreements with national suppliers to replace most items. They can often organise the quotes and repair or replacement of your possessions.

I'm about to install a new kitchen and renovate my bathroom - should I notify you?

If you’re starting renovations that will cost more than $50,000, it’s important that you notify Allianz as it may affect the terms and conditions of your home insurance policy. You may also need to consider increasing your sum insured to reflect any extensions or renovations to make sure you are adequately covered in the event of a home insurance claim.

I have started using my home for business purposes - should I notify you?

Yes, it is important that you tell Allianz about any change in the way you use your home as it may affect the decision to insure you.

In what other circumstances should I contact you?

You carry out alterations, additions, demolition, repairs or decorations to the buildings costing more than $50,000
Your home building has not been lived in (or will not be lived in) for more than 60 consecutive days
You commence using any part of your home for business, trade or professional purposes
You remove any security devices that were specifically required by us.

Do it online

Make a claim

Call 1300 555 013

Using Allianz's Claims hotline,
a friendly consultant will take you
through the process.

Important Information

¹Offer valid with new NAB Home Insurance or NAB Home Insurance Essentials policies. 12 months’ Emergency Home Assistance at no extra cost is offered by Allianz and provided by AWP Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Global Assistance. Read the full terms and conditions in the Emergency Home Assistance Terms and Conditions (PDF, 134KB).

²Flood Cover is an option available for eligible property addresses. It covers damage to buildings and/or contents in the event of a flood (up to the value of the sum insured).

³Personal effects cover is available only when you have contents cover. Please refer to the Product Disclosure Statement for full terms and conditions.

⁴To qualify for the maximum No Claim Bonus of 30%, you must have had no home buildings or contents insurance claims in the preceding five years. However, customers who've had up to two claims may still qualify for reduced No Claim Bonus.

⁵Any discounts are applied to the standard premium rates (excluding optional covers). They're subject to rounding and may be for the first year’s premium only (if stated). Because minimum premiums may apply, any discounts/entitlements only apply to the extent any minimum premium is not reached. If you're eligible for more than one discount, each of them are applied in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

Information on this site about the cover offered by this product is a summary only. Terms, conditions, limits and exclusions and eligibility criteria apply. Cover, benefits and events covered are up to policy limits. Please read the Product Disclosure Statement (PDS) and Supplementary PDS — NAB Home Insurance (PDF, 615KB), the Product Disclosure Statement (PDS) and Supplementary PDS - NAB Home Insurance Essentials (PDF, 873KB), and the NAB Financial Services Guide and consider them before making a decision whether to purchase or continue to hold this insurance. Insurance cover is subject to eligibility.

You can also review the Key Facts Sheets available for:
NAB Home Insurance Essentials building cover (PDF, 245KB)
NAB Home Insurance Essentials contents cover (PDF, 238KB)
NAB Home Insurance building cover (PDF, 237KB)
NAB Home Insurance contents cover (PDF, 237KB)

Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) ('Allianz') is the insurer and the issuer of this insurance. Allianz has entered into a distribution arrangement with National Australia Bank Limited (ABN 12 004 044 937) (NAB). Under this arrangement, NAB is authorised to arrange for the issue of this insurance by Allianz as its agent, not yours. All other services provided by NAB in relation to this insurance are not provided on behalf of Allianz. Neither NAB, nor any of its related bodies corporate, accept liability or guarantee 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.

NAB is paid commission if Allianz issue you with this insurance (including renewals and variations) which is a percentage of your premium and may be entitled to a profit share or marketing allowance 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 (AFSL 230686) NAB Financial Services Guide, available in branch, by calling 13 29 28 or at nab.com.au/insurance.

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs (personal circumstances). As a result, you should consider whether any such advice is suitable for your personal circumstances. You may wish to make this assessment yourself or seek the help of an adviser.