Get a quote online, or call us on 13 29 28.

Here's what you get:

  • Cover for your house and the contents inside.
  • Options to tailor your cover, and select the right product for you.
  • Optional Accidental damage cover.
  • Save up to 10% on your first year’s premium when you purchase a new NAB Home and Contents Insurance policy online2,4.
  • Access to our 24/7 claims lodgement service.

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 contents 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 and Contents Insurance (PDF, 4.4MB). It's important you read these together with the NAB Financial Services Guide before buying a policy.

A snapshot of this policy


  • 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.
  • Theft, burglary, vandalism and malicious acts.
  • 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.

This summary is a guide only. Please read the Product Disclosure Statements for NAB Home and Contents Insurance (PDF, 4.4MB) 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.

PERKS AND BENEFITS

Looking after your pets

If your Building or Contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home building, Allianz will help pay for up to $500 for temporary accommodation for your pets in a commercial boarding establishment

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 5 years1,2

Combine your cover

Save up to 10% when you combine your building and contents cover on the one policy2,3

Join online

Save up to 10% on your first year’s premium when you buy a new home and contents policy online2,4.

Here's how it works

  • 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

Benefits and Optional Cover

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 and Contents Insurance (PDF, 4.4MB). It's important you read these.

Standard benefits Additional benefits Optional cover
  Loss or damage due to (Sub-limits may apply):  
  • Accidental breakage of glass or ceramic items
  • 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
  • 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)
  • Accidental damage
  • Flood cover (a 72-hour exclusion period applies)
  • Motor burnout
  • Portable contents
  • Domestic Workers’ Compensation cover (Only available in ACT, WA and TAS)

Frequently asked questions

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

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.

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 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 $75,000, 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 should also call Allianz if:

  • You carry out alterations, additions, demolition, repairs or decorations to the buildings costing more than $75,000
  • 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.

Where can I get information on the NAB Home Insurance Essentials cover?

If you purchased NAB Home Insurance Essentials buildings cover or NAB Home Insurance Essentials contents cover before 16 November 2020, please refer to the relevant NAB Home Insurance Essentials (PDF, 692KB) 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.

How to make a claim

Laptop

Do it online

Mobile

Call 1300 555 013

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

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 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).

Any discounts / entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

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 When you buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium including for the following optional covers (if selected); Accidental damage, Flood, Motor Burnout and Portable Contents. This discount is not applied on renewal.

You can also review the Key Facts Sheets available for:

NAB Home and Contents Key Fact Sheet (Buildings) (PDF, 283KB)

NAB Home and Contents Key Fact Sheet (Contents) (PDF, 288KB)

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 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) 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, by calling 13 29 28 or at nab.com.au/insurance.

Minimum premiums may apply. 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.

Any advice contained is general only and does not take into account your particular objectives, financial situation or needs.

You should consider whether the insurance product is suitable for your circumstances and consult the Policy Document and Product Disclosure Statement (PDS) available in branch, by calling 13 29 28 or at nab.com.au/insurance. Information about insurance coverage is a summary only and you should read the PDS for full terms, conditions, limits and exclusions that apply. Insurance is subject to eligibility.

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