Home and Contents Insurance | Get a quote now - NAB
Why insure through NAB
We’ve partnered with Allianz, the world’s number one insurance brand, to cover the things that matter to you most in your home. Get a quote online or call us on 13 29 28.
Up to 30% 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 five years.
Save up to 10% online
Get up to 10% off your first year’s premium when you quote and take out a new eligible policy online.
Fast and easy claims
Lodge online any time or speak to a specialist.
Cover that fits your budget
Choose your excess and spread your premium payments across the year – at no extra cost.
Compare home and contents insurance
Home and contents insurance overview
Home insurance covers the structure of your house and other buildings or structures on your insured property, including sheds, fences, and in-ground swimming pool.
What’s included
For information on the full coverage, exclusion, limits and excesses, read the NAB Home and Contents Insurance Product Disclosure Statement and the NAB Financial Services Guide before applying.
Use these calculators to estimate:
Calculators are a guide only.
Contents insurance overview
Contents insurance covers the belongings inside your home. This includes things like furniture, electrical appliances, your clothes, and can also cover the important things you carry with you when you leave home.
Renters, and customers who pay body corporate fees for where they live only need contents insurance.
What's included
For information on the full coverage, exclusion, limits and excesses, read the NAB Home and Contents Insurance Product Disclosure Statement and the NAB Financial Services Guide before applying.
How to get a quote
You’ll need the following information to get a quote either online or over the phone.
Your home value
Estimate what your contents are worth and how much it would cost to rebuild your home.
Valuables to insure
Identify high value items you’d like to insure for a nominated amount.
Security measures
Any security measures you have in place, such as window locks, security systems or alarms.
Ready to get started?
Get a quote for your home and its contents in just a few minutes.
What’s covered
Check out what’s covered by home and contents insurance, as well as content insurance.
Home and contents
This table is a summary of the benefits of NAB Home and Contents Insurance.
For full coverage, exclusion, limits and excesses information, read the NAB Home and Contents Insurance Product Disclosure Statement and the NAB Financial Services Guide before applying.
Insured events
- Earthquake or tsunami
- Explosion
- Fire or smoke
- Lightning
- Cyclone, storm or rainwater
- Flood and/or run-off
- Vandalism or malicious acts
- Riot or civil commotion
- Theft or burglary
- Water or other liquid damage
- Impact damage
- Fixtures (buildings cover)
- Landscaping (buildings cover)
- Legal liability
Additional benefits
- Alternative accommodation for you and your pets
- Vet costs (contents cover)
- Debris removal
- Rebuilding and professional fees (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)
Optional cover
- Accidental damage
- Motor burnout (included with the Accidental Damage option)
- Portable contents (contents cover)
Exclusions
Structural defects, wear and tear, and deliberate or criminal acts caused by you or your guests are not covered.
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.
Contents
This table is a summary of the benefits of NAB Contents Insurance.
For full coverage, exclusion, limits and excesses information, read the NAB Home and Contents Insurance Product Disclosure Statement and the NAB Financial Services Guide before applying.
Insured events
- Earthquake or tsunami
- Explosion
- Fire or smoke
- Lightning
- Cyclone, storm or rainwater
- Flood and/or run-off
- Vandalism or malicious acts
- Riot or civil commotion
- Theft or burglary
- Water or other liquid damage
- Impact damage
- Legal liability
Additional benefits
- Alternative accommodation for you and your pets
- Vet costs (contents cover)
- Debris removal
- Guest, visitor and domestic helper property (contents cover)
- Moving house (contents cover)
- Food or medicine spoilage (contents cover)
Optional cover
- Accidental damage
- Motor burnout (included with the Accidental Damage option)
- Portable contents (contents cover)
Exclusions
Structural defects, wear and tear, and deliberate or criminal acts caused by you or your guests are not covered.
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.
Frequently asked questions about home and contents insurance
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Your insurance ‘premium’ is the amount you pay for your cover. It can change each year when you renew, and the premium price is influenced by a variety of factors, such as location, the type and amount of cover you choose, claims history and the likelihood of a claim. Government charges, discounts and your chosen excess also affect the price.
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Your home and contents cover should match the cost to rebuild your home and replace your belongings. If you’re insured for less than the replacement value of your home and contents, you may have to pay the difference out of your own pocket. Use our calculators to help estimate how much you should be insured for.
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If you make changes (such as construction, renovations, additions, demolition, repairs, or decorations) costing more than $75,000 while your building’s insured, let us know as soon as possible. If you don’t, we may refuse or reduce your claim if the delay or non-disclosure affects our ability to assess your policy.
When we’re informed, we may update your policy terms, adjust your premium, or, in some cases, cancel or choose not to renew your policy if we can’t agree on new terms or if the risk changes significantly. Remember to increase your sum insured to reflect any upgrades or extensions, ensuring you remain fully covered.
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Yes, Flood cover is included as standard in new NAB Home Insurance and NAB Landlord Insurance policies taken out on or after 14 January 2025. If you’d like to find out whether your policy currently has Flood cover, you can call us on 13 29 28.
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If you live in a disaster-prone area, check your insurance cover to make sure it covers you in the event of storms, floods and fires.
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When it's time to renew your policy, check your level of cover and take into account any changes you've made to your property. Make sure to read the Product Disclosure Statement and check for exclusions.
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If you’ve bought a property under strata title, often the building(s) and common property are covered under the insurance that the Owners Corporation has organised. Always check with your strata body to ensure you’re covered.
Preparing for extreme weather
Find out more about how you can always be prepared for extreme weather with Allianz’s preparedness guides.
Contact us
Lodge a claim online
You can lodge a claim online via the Allianz online claim form.
Lodge a claim via phone
You can lodge a claim over the phone by calling Allianz's Claims line.
Contact information
Find contact information and resources for your insurance needs.
Important information
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Insurance
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 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) available in branch, by calling 13 29 28 or on our website. View all important documents for personal 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). Target Market Determinations for these products are available at nab.com.au/TMD.
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.