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. You’ve got three options for your Building & Contents Insurance.
Compare our three covers
Accidental damage
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or up to $7,500, whichever is greater
(includes GST)
Up to $2,500 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
for motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
$5,000
(includes GST)
Up to $20,000 per item unless specified (includes GST)
Up to $20,000 per item or boxed set
(includes GST)
Listed Events
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or $5,000, whichever is greater
(includes GST)
Up to $2,500 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $2,000 for the events listed
(includes GST)
for motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
$5,000
(includes GST)
$1,000
(includes GST)
Up to $20,000 per item unless specified (includes GST)
Up to $20,000 per item or boxed set
(includes GST)
Fundamentals
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to $2,000
(includes GST)
Up to $1,000 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $1,000 for the events listed
(includes GST)
for motors up to 15 years old
Following certain events, see the PDS for details
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
$1,000
(includes GST)
$1,000
(includes GST)
Up to $20,000 per item unless specified (includes GST)
Up to $20,000 per item or boxed set
(includes GST)
Accidental damage
Listed Events
Fundamentals
Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc
Up to 20% of your sum insured or up to $7,500, whichever is greater
(includes GST)
Up to $2,500 per item, pair, set, collection or system as applicable
Up to 20% of your sum insured or $5,000, whichever is greater
(includes GST)
Up to $2,500 per item, pair, set, collection or system as applicable
Up to $2,000
(includes GST)
Up to $1,000 per item, pair, set, collection or system as applicable
Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)
Up to $2,000 for the events listed
(includes GST)
Up to $1,000 for the events listed
(includes GST)
for motors up to 15 years old
Following certain events, see the PDS for details
Up to $500 (includes GST) under this additional cover
Up to $500 (includes GST) under this additional cover
Up to $500
(includes GST)
Up to $500
(includes GST)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
Paid in addition to the sum insured
(Up to 10% sum insured)
$5,000
(includes GST)
$5,000
(includes GST)
$1,000
(includes GST)
$1,000
(includes GST)
$1,000
(includes GST)
Up to $20,000 per item unless specified (includes GST)
Up to $20,000 per item or boxed set
(includes GST)
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.
Use our building and contents calculators to get an estimate1.
When you take out Buildings & Contents Insurance, you’re taking out cover for both the home you live in (including your garage, shed and other structures on your property) plus its contents. It’s the most comprehensive type of home insurance you can take out.
How much you’re covered for depends on a few things. You choose the sum insured for both your home and its contents, and then you can choose from three levels of cover – Premium, Quality or Basic.
To really wrap your head around what’s covered with our Buildings & Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
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.
This depends on the type of policy you’ve taken out. Each of our Buildings & Contents Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.
We encourage you to read your PDS to see the full list of what is and isn’t covered:
Our Building & Contents Insurance is the most popular type of home insurance. Most people choose this comprehensive cover because, if your home is damaged in a weather event or other incident, then it’s pretty likely that your contents will be damaged too.
Say, for example, your home is flooded. Not only do you need to repair or replace some of the walls (part of the building) but you will also need to repair or replace carpets, furniture and valuable items (all considered contents).
Please read through these Product Disclosure Statements (PDSs) to get a better idea of whether Building & Contents Insurance is right for you:
Trusted network of repairers
If you need to make emergency repairs to your home, trust CGU to get the job done. Our reliable network of repairers will fix it, fast.
New-for-old replacement
If the contents of your home are damaged or destroyed, we won’t ask you how old they were. Instead, we may replace the item with the nearest equivalent new item.
Great claims service
We go out of our way to make the claims process hassle-free, and we pay valid claims as quickly as we can. After all, you’ve got other things to worry about.
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.
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.
