• A range of insurance for home and investment property owners

  • Home and contents insurance

    We don’t know what will happen in the future.  That’s why it’s important to be as prepared as possible, by protecting your home and valuables against the unexpected.  In the unfortunate event that something does happen, you’ll want insurance that will help you get back on your feet with a quick and easy claims process.

    • RAMS Home and Contents Insurance has options to suit you and your budget, whether you own your own home or are a tenant.  

       Some of the benefits of RAMS Home and Contents Insurance:  

      • Cover for a range of insured events, including fire, flood and theft
      • Optional cover for personal valuables
      • Claims assistance, 24 hours a day, 7 days a week
      • Pay by the month with no monthly fee 

      Choose from 3 levels of cover for your home and/or contents against loss or damage.

      It’s easy to choose the kind of cover you want for your home and contents. There are three options: Essential Care, Quality Care and Premier Care. Within Contents Cover, you can list individual items by taking out optional Personal Valuables Cover to increase the amount of cover for items such as jewellery and watches. 

        Essential Care Quality Care Premier Care
        Basic cover for insured events plus some additional benefits Higher cover for more insured events, additional benefits and higher limits.  Our top cover for all insured events and additional benefits, plus the highest limits. Contents cover extends to also cover your contents anywhere in Australia

      Details

      It's important to understand what you are and aren't covered for under your policy. For full details, download a copy of the Home and Contents Insurance Product Disclosure Statement (prepared 11 August 2015) as referred by RAMS Financial Group. 

      If you have a policy that was taken out before 26 October 2015, please read the PDS that's relevant to you.

    • Building and contents  Essential Care Quality Care Premier Care
        Basic cover for insured events plus some additional benefits Higher cover for more insured events, additional benefits and higher limits.  Our top cover for all insured events and additional benefits, plus the highest limits. Contents cover extends to also cover your contents anywhere in Australia
      Fire, storm, burglary, malicious acts Yes Yes Yes
      Legal liability cover Up to $20 million Up to $20 million Up to $20 million
      Jewellery and watches* Up to $500 per item/$3,000 in total for all items in one claim $1,000 per item/$5,000 in total for all items in one claim $5,000 per item/$20,000 in total for all items in one claim
      Artwork, collections and collectables ** Up to $3,000 Up to $10,000 Up to $20,000
      Cash, cheques and money orders No Up to $750 Up to $1,250
      Electrical motor burnout No Motors up to 15 yrs Motors up to 15 yrs
      Contents temporarily moved within Australia No Up to 20% of the contents sum insured Yes
      Accidental breakage of glass No      Yes Yes
      Accidental loss or damage No No Yes

      *For extra cover, consider options Personal Valuables cover.

      **For extra cover, specify these items within the contents sum insured.

    • If something happens and you need to make a claim, we’ll keep the process as quick and simple as possible. In most cases, you don’t even need to fill out a claim form. Simply call one of our claims consultants 24 hours a day, 7 days a week on 1300 652 334.

      Commission

      Should you elect to take out Home and Contents Insurance or Landlord Insurance, RAMS or your RAMS franchisee may receive a commission of $250 plus GST

       

       

  • RAMS Home and Contents Insurance and RAMS Landlord Insurance are each issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable) and distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). RAMS Financial Group Pty Limited ABN 30 105 207 358 (RAMS) refers customers to the Bank for their insurance needs. WGIL is not licensed to provide advice about these insurance products. Neither the Bank nor any other member of the Westpac Group (other than WGIL) guarantee these insurance products. A copy of the relevant Product Disclosure Statement and policy wording (PDS) is available by calling 13 RAMS that's 13 7267. 

    This information does not take into account your personal circumstances. Read the relevant Product Disclosure Statement, available at www.rams.com.au to see if this insurance is right for you.  

    Neither RAMS nor RAMS’ franchisees endorse or otherwise assume responsibility for any financial product advice included in this material and do not provide any opinion or recommendation in relation to the insurance offered by WGIL. A cooling off period applies. Should you elect to take out Home and Contents Insurance or Landlord Insurance, RAMS or your RAMS franchisee may receive a commission of $250 plus GST. 

    WGIL and RAMS are wholly owned subsidiaries of the Bank.