Protect your house and the things that make it home with home insurance from NAB.
Get a quote online, or call us on 13 29 28.
Keep in mind, information on this page is just a snapshot. Certain things are excluded, some situations aren't covered and sub-limits apply. For the standard terms, conditions, limits and exclusions please consider the NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1.1MB). It's important you read this document together with the NAB Financial Services Guide before buying a policy.
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.
This summary is a guide only. Please read the Product Disclosure Statements for NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1.1MB) carefully that set out the standard terms and conditions of cover so that you understand what's covered and excluded, which situations aren't covered, sub-limits, the most you can be paid, and excesses that apply.
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.
Keep in mind, information on this page is just a snapshot. Certain things are excluded, some situations aren't covered and sub-limits apply. For the standard terms, conditions, limits and exclusions please consider the NAB Home and Contents Insurance Product Disclosure Statement (PDF, 1.1MB).
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.
| Standard benefits | Additional benefits | Optional cover |
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| Loss or damage due to (Sub-limits may apply): | ||
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If you purchase NAB Home and Contents Insurance, the insurer is Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL 234708) (Allianz). 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 NAB’s distribution arrangement with Allianz, see the disclaimer below and our Financial Services Guide.
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.
Yes, you can purchase a contents-only policy with the option to add cover for your portable contents away from home.
Allianz has agreements with national suppliers to replace most items. They can often organise the quotes and repair or replacement of your possessions.
If you’re starting renovations that will cost more than $75,000, it’s important that you notify Allianz as soon as reasonably possible 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.
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.
You should also contact Allianz as soon as reasonably possible if:
If you purchased NAB Home & Contents Insurance between 16 November 2020 – 21 February 2021 or renewed between 9 January 2021 - 4 April 2021, please refer to the relevant NAB Home and Contents Insurance (PDF, 1.1MB) Product Disclosure Statements, any applicable supplementary PDS and Buildings or Contents Key Fact Sheet/s.
If you purchased NAB Home Insurance Essentials buildings cover or NAB Home Insurance Essentials contents cover before 16 November 2020 or renewed before 9 January 2021, please refer to the relevant NAB Home Insurance Essentials (PDF, 691KB) Product Disclosure Statements, any applicable Supplementary PDS and NAB Home Insurance Essentials building cover (PDF, 336KB) or NAB Home Insurance Essentials contents cover (PDF, 339KB) Key Fact Sheet/s.
Important Information
1 When you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claims Bonus of 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus.
2 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. 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 / Landlord Workers Compensation and may not apply to other optional covers (if available and selected).
3 A discount of up to 10% for combining Buildings and Contents covers on one policy is applied for Building and Contents, Motor Burnout and Accidental damage cover where applicable. The combined policy discount does not apply to the optional Flood or Portable Contents covers.
4 A premium discount of up to 10% is applied to your first year’s premium when you buy a new insurance policy online [including the following optional covers (if selected): Accidental damage, Flood, Motor Burnout and Portable Contents]. This discount is not applied on renewal.
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 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 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), as well as the Key Facts Sheet, 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). The Target Market Determination for this product is available at nab.com.au/TMD. To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).
NAB Home and Contents Key Fact Sheet (Buildings) (PDF, 283KB)
NAB Home and Contents Key Fact Sheet (Contents) (PDF, 288KB)
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.
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