Key benefits
-
check
Theft and vandalism
Cover stolen items and damage to your items from theft and vandalism, including stolen keys. -
check
Flood, storm and storm surge
Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge and tsunami. -
check
Rebuilding your home
CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event. -
check
Fire
Cover for loss and damage to your items caused by fire (including bushfire). -
check
Temporary accommodation
If your home can't be lived in after a covered event, CGU pays for temporary accommodation. -
check
Emergency repairs
If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe. -
check
Visitors' belongings
Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500). -
check
Liability for injury or damage
Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20 million).
Optional cover
Accidental damage
Valuable contents
Motor burnout
Portable contents
Want premium cover?
Choose Home Building and Contents Plus when you’re getting a quote.
Home Building and Contents Plus gives you:
- A Safety Net of an extra 25% on top of your ‘Building’ 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.
Read the Product Disclosure Statement to see exactly what’s included.
Product overview
For most people their home is their biggest asset, not to mention all the valuable items inside. If you are a homeowner, protect your dream home and the things you love from the unexpected. Our home insurance, provided by CGU, lets you pick and choose options that best suit you. You have the option to add optional valuables cover to make sure you're only paying for the cover you want. Your cover could help you cover the cost to repair or rebuild your home or help replace your contents in the event of flood, storm, fire, theft and much more.
Compare your cover
This table compares the cover CGU provides under the types of insurance and levels of cover it offers. 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 |
✓ |
✓ |
✓ |
✓ |
|
Explosion |
✓ |
✓ |
✓ |
✓ |
|
Fire |
✓ |
✓ |
✓ |
✓ |
|
Flood or Rainwater Run-off |
✓ |
✓ |
✓ |
✓ |
|
Impact |
✓ |
✓ |
✓ |
✓ |
|
Lighting |
✓ |
✓ |
✓ |
✓ |
|
Riot or civil commotion |
✓ |
✓ |
✓ |
✓ |
|
Storm |
✓ |
✓ |
✓ |
✓ |
|
Storm Surge or tsunami |
✓ |
✓ |
✓ |
✓ |
|
Theft or attempted theft |
✓ |
✓ |
✓ |
✓ |
|
Cover for liability |
✓ |
✓ |
✓ |
✓ |
Additional benefits |
||||
|
Accidental damage for Contents in transit to new home |
✗ |
✓ |
✗ |
✓ |
|
Buying a new home |
✓ |
✗ |
✓ |
✗ |
|
Contents away from Your Home |
✗ |
✓ |
✗ |
✓ |
|
Contents in storage |
✗ |
✓ |
✗ |
✓ |
|
Contents in the open air |
✗ |
✓ |
✗ |
✓ |
|
Contents in transit |
✗ |
✓ |
✗ |
✓ |
|
Food spoilage |
✗ |
✓ |
✗ |
✓ |
|
Funeral expenses |
✓ |
✓ |
✓ |
✓ |
|
Identity Theft |
✗ |
✓ |
✗ |
✓ |
|
Landscaping |
✓ |
✗ |
✓ |
✗ |
|
Locating the cause of damage |
✓ |
✗ |
✓ |
✗ |
|
Meeting building regulations |
✓ |
✗ |
✓ |
✗ |
|
Mortgage discharge costs |
✓ |
✗ |
✓ |
✗ |
|
Moving to a new home |
✗ |
✓ |
✗ |
✓ |
|
Owner fixtures – Strata Scheme |
✗ |
✓ |
✗ |
✓ |
|
Professional and rebuilding fees |
✓ |
✗ |
✓ |
✗ |
|
Removal of debris |
✓ |
✓ |
✓ |
✓ |
|
Replacement of keys and locks |
✓ |
✓ |
✓ |
✓ |
|
Safety net |
✓ |
✗ |
✗ |
✗ |
|
Storage costs |
✗ |
✓ |
✗ |
✓ |
|
Students living away from Home |
✗ |
✓ |
✗ |
✓ |
|
Temporary accommodation |
✓ |
✓ |
✓ |
✓ |
|
Visitors’ belongings |
✗ |
✓ |
✗ |
✓ |
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 |
|
Valuable Contents – inside Your Home |
✗ |
Optional |
✗ |
Optional |
What else to consider
Need to make an insurance claim?
Call CGU’s claims team 24 hours a day, 7 days a week on 13 24 80.
Home, landlord or motor vehicle claims can also be made online by logging into your CGU online account if your policy was first purchased after 16 June 2025, or renewed after 9 August 2025.
Managing your insurance online
If your policy was purchased after 16 June 2025, or renewed after 9 August 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
For significant changes, like purchasing a new car, please call us directly on 13 11 82.
Talk to us about your insurance needs today.
Get in touch with us and we can help you get the answers you need.
Access forms, brochures, support articles, FAQs and more below.
Log into Digital Banking to send us a secure message by clicking the link below, or by using your People First Bank App.
