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 and NAB Home Insurance Essentials. Please read the NAB Financial Services Guide before purchasing this product.
12 months' Emergency Home Assistance at no extra cost (excludes renters)1
Save up to 30% if you've had no home or contents insurance claims in the past 5 years 4,5
Save up to 10% when you combine your building and contents cover on the one policy 5
Save up to 10% when you buy online (for the first year only)5
| NAB Home Insurance Buildings & Contents Our highest level of cover |
NAB Home Insurance Essentials Buildings & Contents |
|
|---|---|---|
| Standard Benefits | ||
Loss or damage due to:
|
✔ |
✔ |
| Legal liability cover | ✔ |
✔ |
| Electric motor burnout (fusion) | ✔ |
✖ |
| Credit cards - Cover for fraudulent use or lost or stolen cards | ✔ |
✔ Up to $5,000 |
| Property of guests, visitors and domestic helpers | ✔ |
✔ |
| Spoilage of refrigerated or frozen food | ✔ |
✖ |
| Compensation for fracture | ✔ |
✖ |
| Temporary removal of contents from your insured address | ✔ |
✔ |
| Landscaping | ✔ |
✖ |
| Tax audit | ✔ |
✖ |
| Replacement of locks or cylinders | ✔ |
✔ |
| Security firm attendance | ✔ |
✔ |
| Contents in the open air at your insured address (sub-limits apply for selected contents based on events causing the loss or damage. See 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) | ✔ |
✔ |
| Environmental benefits when rebuilding after a total loss (ie. solar panels, water tanks) | ✔ |
✔ |
| Mortgage discharge costs | ✔ |
✔ |
| Modifications to buildings for paraplegia or quadriplegia | ✔ |
✔ |
| Title deeds | ✔ |
✔ |
| 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 and NAB Home Insurance Essentials. Please read the NAB Financial Services Guide before applying for this product.
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.
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 (Personal Effects) 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 $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.
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.
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. Full terms and conditions available at nab.com.au/eha
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 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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