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

Peace of mind

  • The cost of replacing or repairing damage to your home and contents
  • Fire and weather events such as bushfires, grassfires, storm, cyclone or lightning
  • Sudden bursting of pipes causing water damage
  • Theft, burglary, vandalism and malicious acts
  • Injuries to visitors and damage to their property – up to $20 million Legal Liability

This is a snapshot only. For the full list of what’s covered and what’s excluded, and any limits and excesses that apply, refer to the Product Disclosure statement for NAB Home Insurance (PDF, 819KB) and NAB Home Insurance Essentials (PDF, 808KB). Please read the NAB Financial Services Guide before purchasing this product.

Make it work for you
Tailor your policy

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

Enjoy the benefits

Emergency Home Assistance

12 months' Emergency Home Assistance at no extra cost (excludes renters)1

No claim bonus

Save up to 30% if you've had no home or contents insurance claims in the past 5 years4,5

Combine your cover

Save up to 10% when you combine your building and contents cover on the one policy5

Join online

Save up to 10% when you buy online (for the first year only)5

Why NAB?

  • 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 service

Compare our

  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


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 cover Optional2 Optional2
Personal effects Optional Optional
Domestic Workers' Compensation cover (Only available in ACT, WA and TAS) Optional Optional

This snapshot is a guide only. For information on what’s covered and what’s excluded, and any limits and excesses that apply, please refer to the Product Disclosure statements for NAB Home Insurance (PDF, 819KB) and NAB Home Insurance Essentials (PDF, 808KB). Please read the NAB Financial Services Guide before applying for this product.

Have any questions?
Let's get you sorted

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

NAB Home Insurance is arranged and distributed by National Financial Management Limited, a related body corporate of NAB. We do this on behalf of Allianz, one of Australia’s largest general insurers, who supplies and underwrites this product. This means, if you purchase NAB Home Insurance, and need to make a claim, Allianz are there for you with their 24 hour claims line – 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.

How to

Do it online

Call 1300 555 013

Using Allianz's Claims hotline,
a friendly consultant will take you
through the process. It's available 24/7.

Important Information

1 Offer 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) and Emergency Home Assistance Offer Information (PDF, 445KB).

2 Flood Cover is an option, subject to eligibility, available for eligible property addresses, and designed to protect against damage to building and/or contents in the event of a flood (up to the value of the sum insured).

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

4 To 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.

5 Any discounts are applied to the standard premium rates (excluding optional covers). They're subject to rounding and are for the first year’s premium only (unless stated otherwise). 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 this insurance. Insurance cover is subject to eligibility.

You can also review the fact 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 23 4708) ('Allianz') is the insurer and the issuer of NAB Home Insurance and NAB Home Insurance Essentials which have been branded NAB by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ('NAB').

This insurance is arranged by National Australia Financial Management Limited (ABN 56 000 176 116 AFSL 230699) ('NAFM'), a member of the NAB Group of companies, as an agent for Allianz, and not as your agent. Neither NAB, nor any of its related bodies corporate, accepts liability or guarantees payment of any claim or benefit in respect of home insurance. A NAB Home Insurance or NAB Home Insurance Essentials policy does not represent a deposit with, or a liability of, nor is guaranteed by either NAB or any of its related bodies corporate. NAFM receives commission for arranging these insurances which is a percentage of the ‎premium.

Any advice contained on this site has been prepared without taking into account your particular objectives, financial situation or needs. You may wish to make this assessment yourself or seek the help of an adviser.

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