Next step: Cover your castle
Make sure your home’s covered from the day you need it to be.
Why St.George?
One less step
Sort out your insurance and banking together.
Flexible payment options
No extra cost to pay by the month so you can better manage your budget.1
All in one place
See your insurance policies next to your bank accounts in the App.2
Comprehensive cover
Insure your home and contents for storm damage, floods and bushfires.3
Cover options explained
Building Insurance
May be a condition of your new home loan. It covers your home’s physical structures. From your roof to your deck and many permanent fixtures in between.
Contents Insurance
Cover for household and personal items at your home. Think furniture, white goods, electrical appliances, clothing, linen and more.
Home and Contents Insurance
Combine Building (also known as Home) Insurance and Contents Insurance to safeguard your home’s physical structures, plus the household and personal items you keep at your home.
Award winning value
St.George has been recognised with the 2024 Canstar Outstanding Value Home & Contents and Home Insurance awards.
3 important questions about home insurance for borrowers
When do I need insurance?
Insurance may be required at different times depending on the property’s location, the type of property and terms of your purchase contract, so it’s important to find out when you might need it.
IMPORTANT: Speak to your conveyancer or lawyer to confirm what applies to your circumstances.
Which insurance do I need?
Use our cover selector to help you find the insurance that’s right for you.
I have insurance, what happens next?
Before your loan can settle, you may need to provide a copy of your building insurance certificate (unless you’re covered by strata or buying vacant land). You can either upload it to online banking or send a copy to your lender. The final steps of the loan application process are:
- Sign your loan documents
- Provide any outstanding information
- Settle and get the keys!
Tools and calculators
Calculators are intended as a guide only.4
Home Building calculator
Estimate the cost to rebuild your house.
Home Contents calculator
Estimate the cost to replace the contents in your home.
Important information
1Pay by instalment at no additional cost compared with paying annually. Instalments may be subject to minor adjustments due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.
2Policyholders need to ensure their personal details on their policy match with their St.George accounts. Only primary policyholders can see policies alongside their other St.George accounts.
3Allianz may not provide cover for any loss of or damage to your property caused by cyclone, flood, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.
4The Building and Contents calculators provided by Allianz through a third-party provider, are intended as a guide only. For a more accurate cost to rebuild your home or replace your contents, consider obtaining a professional valuation from a licensed builder or professional valuer.
Any financial product advice provided on this page is general in nature and does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). To see some of the events covered and not covered, please refer to the Key Facts Sheet (KFS).
Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz but does not guarantee the insurance.
By selecting 'Get a quote' you will enter a third-party site hosted by Allianz. Any personal information you provide to Allianz will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy available on their website.
If you purchase Home and Contents Insurance with Allianz the Bank will receive a commission of up to 12% of the premium excluding Government fees and charges, plus GST.
St.George's Privacy Statement is available at stgeorge.com.au/privacy/privacy-statement or by calling 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.