Buying or renting your first home? Or, had the kids move out and have the house to yourselves? Wherever you’re at in life, CGU offers more choice for house insurance. With our range of options you will be able to choose the right house insurance for your needs.
Want simple house insurance for your family home? Or do you need cover for your personal items and the special painting you bought at auction last year? At CGU, you’ll find the cover that’s right for you. With each cover type below, you can tailor it with Premium, Quality or Basic options to meet your needs.
Complete coverage
CGU’s combined Building & Contents Insurance is our most popular type of home insurance, giving you cover for both your home and the many things inside it.
Residential building protection
Domestic outbuildings such as garages and sheds
Infrastructure for services
Inbuilt swimming pools and spas
Money
Jewellery
Computer and software
Furniture
Coverage for structures
Your CGU Building Insurance covers both the dwelling you live in, plus any other buildings on your property – like sheds and garages.
Residential building protection
Domestic outbuildings such as garages and sheds
Infrastructure for services
Inbuilt swimming pools and spas
Money
Jewellery
Computer and software
Furniture
Coverage for contents only
With CGU Contents Insurance, you’re covered for a wide range of items – from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains.
Residential building protection
Domestic outbuildings such as garages and sheds
Infrastructure for services
Inbuilt swimming pools and spas
Money
Jewellery
Computer and software
Furniture
Terms and conditions apply to all cover types so please review the PDS for full terms and conditions.
Before you decide on the cover that’s right for you, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.
For previous policy booklets, check our policy booklets page.
Choose Premium – Accidental Damage cover for almost any accident
If you want the ultimate peace of mind – Premium gives you cover for all the usual things, plus offers cover for items that you accidentally break or lose.
Choose Quality – Listed Events cover for mid-range cover
Not only does Quality give you great cover, you can add options to your policy for extra valuables cover and more.
Choose Basic - Fundamentals cover to give you good baseline cover
For peace of mind that you’re protected for floods, fires, break-ins and more, Basic has you covered.
Yes, you are.
All CGU home insurance policies include flood cover. Damage from tsunamis, storm and rainwater are covered, too.
Take a look at the Product Disclosure Statement (PDS) below for your chosen cover to see what water-related events you’re not covered for:
Homes come in all shapes and sizes, right? This can determine the amount of insurance you pay; Home insurance for a large house in a suburb known for break-ins will cost more than a cottage in a quiet town.
When we calculate your home insurance premium, we look at a whole range of factors – from the materials used to build your home to its location.
The best way to answer this question is to complete a quick quote.
Got friends staying with you? Our Quality and Premium policies will look after them, too. If their gear is damaged by an event listed in your policy (like fire, theft, water damage), we’ll provide cover for up to $5,000 (includes GST).
Please note that we only cover these belongings if they’re not already insured under another policy.
If you’re renovating, your home insurance policy should still cover you. There are a few restrictions; and it’s important that you let us know before you start the renovation so we can provide the right cover for the work that’s planned.
Renovation restrictions include:
Please refer to the Product Disclosure Statement (PDS) below for your chosen cover for full terms and conditions:
This depends. If you have a home loan, you should check with your financial institution to see if home insurance is compulsory throughout the life of the loan. If you own the house outright, then it’s up to you whether you have home insurance or not.
Many people underestimate how much insurance cover they actually need! Or they simply renew their insurance policies each year without taking into consideration renovations or new purchases.
CGU Insurance cover aims to provide you with protection and peace of mind, so that in the unfortunate event that your home or contents are lost or damaged, you will be covered for their full repair or replacement cost.
Our building and contents calculators can help you estimate what your home and contents are worth1.
This depends on the type of policy you’ve taken out. Each of our home insurance policies comes with its own Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.
In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).
We encourage you to read your PDS to see the full list of what is and isn’t covered:
Trusted by millions
It’s no accident that CGU has such a strong following. We manage nearly 1,000 claims every day.
Experience counts
With 160 years of insurance experience behind us, you can trust CGU to help you out when you need it most.
We offer pay by the month at no extra cost
Prefer paying your home insurance in monthly instalments? Set up direct debit with us and pay for your home insurance by the month with no additional cost.
Simple claims process
It’s easy to make a claim with CGU. Get started any time of the day or night. The rest of the process is quick, simple and hassle-free too.
Whether you’re insuring your building, your contents or both, the higher the sum you choose to insure then the higher your premium will be.
Some areas are more prone to burglary or damage than others. CGU calculates the probability of an event occurring in your area and applies it to your premium.
The higher your excess (which is the amount you pay when you make a claim), the lower your premium will be. This is entirely up to you.
Some building materials are more prone to damage or are more expensive to replace than others.
Our building and contents calculator can help you estimate what your home and contents are worth1.
CGU includes flood cover as a policy feature on Home and Landlords insurance. This ensures that all customers are covered for damage caused by water giving you peace of mind when water damage occurs.
1. Building and contents calculators are provided by CoreLogic and should only be used as a guide. These calculators' estimates may be different than estimates you get during your quote. We do not guarantee the accuracy or currency of the estimates.
