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Home & Contents Insurance

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Protect your home and the things inside with the level of cover that suits you.

Through CGU we offer two tiers of protection for Buildings, Contents or combined cover so that you can choose the right cover for your needs. 

  Policies available
  • Building and contents (combined)
  • Building
  • Contents
  Common cover

All policies include the following:

  • Fire
  • Burglary
  • Storm and flood
  Types of cover

Accidental Damage

  • Contents covered at home or away from home
  • Accidental loss and damage
  • A range of listed events covered
  • Many additional covers like Rebuilding fees and Alternative accommodation
  • Premium cover

Listed Events

  • A range of listed events covered
  • Many additional covers like Rebuilding fees and Alternative accommodation
  • High level of cover with good value for money

Fundamentals

  • A range of listed events covered
  • Basic cover 

 

Get a QuoteEnquire

Choose the right policy for you

Features

Accidental Damage

Listed Events

Fundamentals

Accidental damage or accidental loss

Burglary or break-in


Money only covered after forcible entry


Must be sign of forcible entry
Theft without forcible entry
Money only covered after forcible entry
Burning out of an electric motor for motors up to 15 years old
Contents away from home
Australia and New Zealand wide cover - conditions apply

Australia wide cover - conditions apply
Contents at home in the open air
Limited to $2,000 for certain events

Limited to $1,000 for certain events

New for old replacement cover (Contents)
Guest or visitor's belongings
Up to $5,000

Up to $5,000
$20 million Liability
Content items Up to $20,000 per item, pair, set, collection or system Up to $20,000 per item, pair, set, collection or system Up to $20,000 per item, pair, set, collection or system
Valuable items
Such as jewellery, laptops, mobile phones, cameras, sporting equipment (excluding bicycles) - see PDS for full description
Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $7,500 whichever is higher Up to $2,500 per item or $3,000 for sporting equipment. In total, up to 20% of sum insured or $5,000 whichever is higher Up to $1,000 per item. In total up to $2,000
Optional additional valuables cover
Other Valuables (under $2,500 per item) or Special Valuables (over $2,500 per item), Accidental Loss or Damage cover worldwide up to 90 consecutive days

$250 excess

$250 excess
Alternate accommodation
Paid in addition to the sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Up to 10% of sum insured
Architects, surveyors and legal fees
Paid in addition to the sum insured


Up to 10% of sum insured


Up to 10% of sum insured


Up to 10% of sum insured
Removal of debris and demolishing costs
Paid in addition to the sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Up to 10% of sum insured
Replacing keys and repairs to and recoding of locks and barrels
No limit

Up to $1,000

Up to $1,000
Credit card and transaction card misuse


Up to $5,000


Up to $5,000


Up to $5,000
Frozen food following breakdown of freezer
No limit

Up to $500
Vet expenses if your pet is injured in a road accident
Up to $500

Up to $500
Goods used to earn an income, covered at home only


Up to $5,000


Up to $5,000

Money and negotiable documents
Up to $1,250

Up to $750

Up to $500
Contents in transit


Up to $10,000


Up to $5,000

Funeral expenses


Up to $10,000


Up to $10,000

This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance Product Disclosure Statement (PDS), CGU Listed Events Home Insurance Product Disclosure Statement (PDS), CGU Fundamentals Home Insurance Product Disclosure Statements (PDS) and Policies for full terms and conditions. 

  Why insure with CGU?
  • New for old replacement
  • Automatic flood cover
  • 24/7 claims lodgement – 13 24 80
  • 160 years of experience insuring Australians

 

General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Australian Mutual Bank Ltd ABN 93 087 650 726 acts under an agreement with the insurer. Sydney Mutual Bank and Endeavour Mutual Bank are divisions of Australian Mutual Bank Ltd. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available above.