Home and Contents Insurance

Cover for your home and belongings when the unexpected happens.

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Complete coverage

Building and Contents

Protect your home inside and out with combined Building and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

Theft and vandalism
Flood, storm and storm surge¹
Rebuilding your home
Fire
Temporary accommodation²
Emergency repairs
Visitors' belongings
Liability for injury or damage³

Protect your home

Building

Protect your home with Building Insurance.

If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.

Theft and vandalism
Flood, storm and storm surge¹
Rebuilding your home
Fire
Temporary accommodation²
Liability for injury or damage³

Cover for items in your home

Get cover for items in your home, even if you accidentally leave a window or door unlocked.

Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about.

Theft and vandalism
Flood, storm and storm surge¹
Fire
Temporary accommodation²
No excess for food spoilage

Building and Contents FAQs

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Home Insurance Standard policy. If you upgrade to Home Insurance Plus, it’s automatically included.
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.

Building FAQs

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, if you accidentally put your foot through the ceiling while in the roof. Whether your building is covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.

Contents FAQs

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure contents for more than the cost to repair or replace, CGU will only pay the actual cost of repairing or replacing.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.
General Contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture.
Valuable Contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories: Works of art –Collections -Jewellery and watches. You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit.
Portable Contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose Portable contents as an optional benefit.
General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.

Contacting CGU Claims

If you need to make a claim under your insurance, simply call CGU Claim on 13 24 80 to make a paperless claim. They're available 24 hours a day, 7 days a week.

Call 13 24 80

partial view of woman typing on laptop at tabletop with smartphone and notebook

Managing your account online

For policies purchased on and after 27 May 2025 and policies renewed on and after 9 August 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.

Simply log in to your account to see the available options. For assistance, call CGU at 13 24 81.

Building and Contents Insurance Disclaimers
1. CGU don’t cover actions of the sea, such as tides and waves.
2. If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3. Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4. CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5. CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6. Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Building Insurance Disclaimers
1. CGU don’t cover actions of the sea, such as tides and waves.
2. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3. Cover applies if the incident happens at your home (under Building insurance).
4. CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Content Insurance Disclaimers
1. CGU don’t cover actions of the sea, such as tides and waves.
2. If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation.
3. CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus. Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4. CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5. CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6. Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand,check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from Disclosure Documents.

Important information

Partner ABN 44 087 651 769 , AFSL/Australian Credit Licence Number 240 960 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. Any advice provided 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 a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations from Disclosure Documents.

To obtain a Product Disclosure Statement, Target Market Determination or Key Fact Sheet for an insurance policy that was issued before 27 May 2025, please contact CGU directly on 1300 943 690.

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