Protect your home inside and out with combined Building and Contents Insurance
Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
Building and Contents Insurance includes:
- Theft & vandalism
Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys. - Flood, storm & storm surge
Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge, and tsunami.1 - Rebuilding your home
CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event. - Fire
Cover for loss and damage to your home and items causedby fire (including bushfire).
- Temporary accommodation
If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2 - Emergency repairs
If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe. - Visitors' belongings
Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500). - Liability for injury or damage
Cover for your legal liability in some situations if someone’s injured or their property’s damaged(up to $20m).3
Optional cover
Accidental damage
Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home. 4
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout
Add cover for electric motor burnout in fixtures (like air con) and appliances (like washing machines), including parts and labour. 5
Portable contents
Choose to cover items like glasses, jewellery, laptops, and mobile phones when you take them outside your home. 6
Do you know how much your home and contents are worth?
Avoid the possibility of under-insuring your building or contents and make sure you have appropriate cover for your important possessions.
Home building value calculator
Home contents value calculator
Why choose to insure through CGU?
Flexible payment options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Claims guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Manage your insurance online
For policies purchased or renewed after DATE, certain updates can be made online.
Manage your insurance online
For policies purchased or renewed after DATE, 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 .
For significant changes, like purchasing a new car, please call us directly at .
Manage your insurance onlineNeed to make a claim?
Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.
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 insure your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
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, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.
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.
Important information
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. 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 and Target Market Determinations (TMDs).
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. 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 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.