- 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building Insurance Standard.
- Plus, motor burnout and accidental damage automatically included.
- Plus, higher limits on some inclusions, like food spoilage and landscaping.
Contents Insurance
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.
For premium contents cover, choose 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 damage to your home caused by flood, rainwater run-off, storm surge and tsunami.1
✓ 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
✓ No excess for food spoilage: If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine3
Manage your insurance online
For policies purchased or renewed after 3 March 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.
For significant changes, like purchasing a new car, please call us directly at 1300 688 825.
Compare Your Cover
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 | y | y | y | y |
| Animal damage | y | y | y | y |
| Deliberate or intentional act | y | y | y | y |
| Earthquake | y | y | y | y |
| Escape of water or liquid | y | y | y | y |
| Explosion | y | y | y | y |
| Fire | y | y | y | y |
| Flood or Rainwater Run-off | y | y | y | y |
| Impact | y | y | y | y |
| Lightning | y | y | y | y |
| Riot or civil commotion | y | y | y | y |
| Storm | y | y | y | y |
| Storm Surge or tsunami | y | y | y | y |
| Theft or attempted theft | y | y | y | y |
| Accidental damage – at Your Home Optional | y | y | Optional | Optional |
| Electrical motor burnout Optional | y | y | Optional | Optional |
| Cover for liability | y | y | y | y |
Additional benefits |
||||
| Accidental damage for Contents in transit to new home | x | 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 |
Frequently Asked Questions
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 ensure 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.
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.
We're here when you need us
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.
Claims Guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Payment Options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
We're ready to help you
Important Information
What you need to know:
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.
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 CGU website here.
