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Home insurance

What home insurance cover do you need?

Building and contents

Combined building and contents insurance gives you cover for both your home and the many items inside it.

More information Get a quote

Buildings cover

Building insurance covers both the house you live in, plus any other buildings on your property – like sheds and garages.

More information Get a quote

Contents cover

Get cover for items in your home, even if you accidentally leave a window or door unlocked.

More information Get a quote

Manage your insurance online

For policies purchased after 20 May 2025, 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 online

Need 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.

Call CGU on 13 24 80 Make a claim online with CGU

Compare the different insurance cover types

Cover for loss or damage to your home and contents

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental breakage of glass
Yes
Yes
Yes
Yes
Animal damage
Yes
Yes
Yes
Yes
Deliberate or intentional act
Yes
Yes
Yes
Yes
Earthquake
Yes
Yes
Yes
Yes
Escape of water or liquid
Yes
Yes
Yes
Yes
Explosion
Yes
Yes
Yes
Yes
Fire
Yes
Yes
Yes
Yes
Flood or rainwater run-off
Yes
Yes
Yes
Yes
Impact
Yes
Yes
Yes
Yes
Lightning
Yes
Yes
Yes
Yes
Riot or civil commotion
Yes
Yes
Yes
Yes
Storm
Yes
Yes
Yes
Yes
Storm surge or tsunami
Yes
Yes
Yes
Yes
Theft or attempted theft
Yes
Yes
Yes
Yes
Accidental damage – at your home Optional
Yes
 Optional
Yes
Electrical motor burnout Optional
Yes
 Optional
Yes
Cover for liability
Yes
Yes
Yes
Yes

Additional benefits

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental damage for contents in transit to new home
No
No
Yes
Yes
Buying a new home
Yes
Yes
No
No
Contents away from your home
No
No
Yes
Yes
Contents in storage
No
No
Yes
Yes
Contents in the open air
No
No
Yes
Yes
Contents in transit
No
No
Yes
Yes
Food spoilage
No
No
Yes
Yes
Funeral expenses
Yes
Yes
Yes
Yes
Identity theft
No
No
Yes
Yes
Landscaping
Yes
Yes
No
No
Locating the cause of damage
Yes
Yes
No
No
Meeting building regulations
Yes
Yes
No
No
Mortgage discharge costs
Yes
Yes
No
No
Moving to a new home
No
No
Yes
Yes
Owner fixtures – strata scheme
No
No
Yes
Yes
Professional and rebuilding fees
Yes
Yes
No
No
Removal of debris
Yes
Yes
Yes
Yes
Replacement of keys and locks
Yes
Yes
Yes
Yes
Safety net
No
Yes
No
No
Storage costs
No
No
Yes
Yes
Students living away from home
No
No
Yes
Yes
Temporary accommodation
Yes
Yes
Yes
Yes
Visitors’ belongings
No
No
Yes
Yes

Optional benefits

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental damage – at your home Optional
Yes
 Optional
Yes
Electrical motor burnout Optional
Yes
 Optional
Yes
Portable contents – away from your home
No
No
 Optional Optional
Valuable contents – inside your home
No
No
 Optional Optional

This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected.

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. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.