Home Building Insurance

Protect your home with Home Building Insurance.

If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.

Additionally, if you can't live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.

For more comprehensive coverage, consider choosing Home Building Plus when you get a quote.

And if you’re looking for the highest level of cover, choose Home Building & Contents Plus when you’re getting a quote.

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Choose Home Building Plus when you’re getting a quote.

• -> Home Building 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 landscaping.

Read the Product Disclosure Statement to see exactly what’s included.

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1 | CGU don’t cover actions of the sea, such as tides and waves.
2 | If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3 | Cover applies if the incident happens at your home (under Buildings insurance).
4 | CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

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 for reference. The Premium, Excess and Discounts Guide is available for reference here. 

Home 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 Home Contents Plus when you're getting a quote.

And if you’re looking for the highest level of cover, choose Home Building & Contents Plus when you’re getting a quote.

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Choose Home Contents Plus when you’re getting a quote.

• -> Home Contents Plus gives you 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Contents Insurance Standard.
• -> Plus, motor burnout and accidental damage automatically included.
• -> Plus, higher limits on some inclusions, like food spoilage and landscaping.

Read the Product Disclosure Statement to see exactly what’s included.

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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 Buildings 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 for your reference. The Premium, Excess and Discounts Guide is available for reference here.