Confirmation of Payee: A new service to help safeguard your payments is coming soon. Learn more.
Building and Contents Insurance
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.
If you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
Theft & vandalism: Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
Flood, storm & storm surge: Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami.1
Rebuilding your home: CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
Fire: Cover for loss and damage to your home and items caused by fire (including bushfire).
Temporary accommodation: If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
Emergency repairs: If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe.
Visitors' belongings: Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).
Liability for injury or damage: Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m).3
Accidental Damage: Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home.4
Valuable contents: Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout: Add cover for electric motor burnout5 in fixtures (like air con) and appliances (like washing machines), including parts and labour.
Portable contents: Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.6
Choose Building and Contents Plus when you're getting a quote. Building and Contents Plus gives you:
✓ A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.
✓ Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.
✓ Plus, higher limits on some inclusions, like food spoilage and landscaping.
| Product disclosure statement and policy book (PDS) | Product Disclosure Statement and Policy Booklet (PDS) |
| Premium, excess and discounts guide (PED) | Premium, Excess and Discounts Guide (PED) |
| Home building key facts sheet (KFS) | Home Building Key Facts Sheet (KFS) |
| Home contents key fact sheet (KFS) | Home Contents Key Facts Sheet (KFS) |
| Target market determinations | Target Market Determination |
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Building Plus |
Contents Plus |
Building Standard |
Contents Standard |
|
Cover for loss or damage to Your Home and Contents |
||||
| Accidental breakage of glass | ✔ | ✔ | ✔ | ✔ |
| Animal damage | ✔ | ✔ | ✔ | ✔ |
| Deliberate or intentional act | ✔ | ✔ | ✔ | ✔ |
| Earthquake | ✔ | ✔ | ✔ | ✔ |
| Escape of water or liquid | ✔ | ✔ | ✔ | y |
| Explosion | ✔ | ✔ | ✔ | ✔ |
| Fire | ✔ | ✔ | ✔ | ✔ |
| Flood or Rainwater Run-off | ✔ | ✔ | ✔ | ✔ |
| Impact | ✔ | ✔ | ✔ | ✔ |
| Lightning | ✔ | ✔ | ✔ | ✔ |
| Riot or civil commotion | ✔ | ✔ | ✔ | ✔ |
| Storm | ✔ | ✔ | ✔ | ✔ |
| Storm Surge or tsunami | ✔ | ✔ | ✔ | ✔ |
| Theft or attempted theft | ✔ | ✔ | ✔ | ✔ |
| Accidental damage – at Your Home Optional | ✔ | ✔ | Optional | Optional |
| Electrical motor burnout Optional | ✔ | ✔ | Optional | Optional |
| Cover for liability | ✔ | ✔ | ✔ | ✔ |
Additional benefits |
||||
| Accidental damage for Contents in transit to new home | ☓ | y | x | y |
| Buying a new home | y | x | y | x |
| Contents away from Your Home | x | y | x | y |
| Contents in storage | x | y | x | y |
| Contents in the open air | x | y | x | y |
| Contents in transit | x | y | x | y |
| Food spoilage | x | y | x | y |
| Funeral expenses | y | y | y | y |
| Identity theft | x | y | x | y |
| Landscaping | y | x | y | x |
| Locating the cause of damage | y | x | y | x |
| Meeting building regulations | y | x | y | x |
| Mortgage discharge costs | y | x | y | x |
| Moving to a new home | x | y | x | y |
| Owner fixtures – Strata scheme | x | y | x | y |
| Professional and rebuilding fees | y | x | y | x |
| Removal of debris | y | y | y | y |
| Replacement of keys and locks | y | y | y | y |
| Safety net | y | x | x | x |
| Storage costs | x | y | x | y |
| Students living away from Home | x | y | x | y |
| Temporary accommodation | y | y | y | y |
| Visitors’ belongings | x | y | x | y |
Optional benefits |
||||
| Accidental damage – at Your Home | Automatically Included | Automatically Included | Optional | Optional |
| Electrical motor burnout | Automatically Included | Automatically Included | Optional | Optional |
| Portable Contents – away from Your Home Optional Optional | x | Optional | x | Optional |
| Valuable Contents – inside Your Home | x | Optional | x | Optional |
What CGU can offer you
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of all authorised repairs to your home or car, valid for as long as you own the car.
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
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 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.
The changes you can make to your policies using your online account depend on the specific policies you hold.
For example, if you have a Comprehensive Car Insurance policy, you can:
- Add/edit the car's VIN
- Add/remove a windscreen option
- Add/remove a hire car
- Add/remove drivers
- Add/remove the car's credit provider
- Amend your excess
- Amend your sum insured
- Change and view your risk address
- Change kilometres driven/garaging
- Change the address where the car is kept
- Change your car's number plate details
- Switch from agreed value to market value
For more information about what changes you can make to your policy, please contact CGU on 13 24 81.
Looking for something else?
View and compare Home and Contents Insurance
