Home & Contents Insurance designed to help protect your greatest assets.
For most people their home is their biggest asset, not to mention all the valuable items inside. If you are a home owner or renter, protect your dream home and the things you love from the unexpected.
CGU's home insurances let you pick and choose so you’ll always get the best value. You have the option to add on or leave out valuable items to make sure you're only paying for the cover you want.
Have peace of mind that you are covered for major events such as flood, storm, fire, theft and much more. Your cover will help you repair or replace your home and contents so that you’re back on your feet as soon as possible.
In partnership with leading insurance company CGU, one of Australia’s most trusted and credentialed insurers, we offer you two flexible Home and/or Contents insurance cover options; Accidental Damage and Listed Events.
Compare the benefits of our Accidental Damage and Listed Events cover
|Key benefits||Accidental Damage||Listed Events|
|Accidental Damage cover||Yes||Fixed glass and windows only Optional extra for valuable items available|
|Accidental Loss cover||Yes||No;
Optional extra for valuable items available
|New for old contents cover||Yes||Yes|
|Bicycle cover (Australia wide)||Yes||No|
|Mobile phone cover (up to $2,500) (Australia wide)||Yes||Only available with optional extra for valuable items|
|Photographic equipment cover (up to $2,500) (Australia wide)||Yes||Only available with optional extra for valuable items|
|Camping equipment cover (Australia wide)||Yes||No|
|Fortnightly, Monthly or Annual payment options||Yes||Yes|
|Electrical burnout of motors and pumps less than 15 years old||Yes||Yes|
|Replacement of keys and repair and re-coding of locks and barrels for either external doors or windows||Unlimited||Up to $1,000|
|Money and negotiable documents||Up to $1,250||Up to $750|
|Credit card loss liability||Up to $5,000||Up to $5,000|
|Works of art including paintings and rugs||Up to $20,000 per item, unless specified separately||Up to $20,000 per item, unless specified separately|
|Loss of frozen foods as a result of domestic freezer failure||Unlimited||Up to $500|
|Loss of frozen food from any cause||Unlimited||No|
|Liability cover||$20 million||$20 million|
|Trees, plants and shrubs replacement||Up to $1,500||Up to $1,500|
|Club 55 account holder cover benefits||Yes||Yes|
Please refer to the relevant Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.
Please refer to the relevant Key Facts Sheets for details of our Home Building and Home Contents policies.