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Building and Contents Insurance

It's likely your home contains the majority of your prized possessions, so why not insure it accordingly? That's why we offer building and contents insurance that is comprehensive - so if something happens, you've got the best cover we offer.

Pay monthly, no problem

Instead of charging you more to split payments across the year, we simply divide your annual premium by 12.

Timeless new-for-old replacement

If the contents in your home are damaged or destroyed, we won’t ask you how old they were. Instead, we’ll arrange repairs or help you buy new replacements, so there's no depreciation on your contents.*

Flood cover

While flooding may not be the first thing you think about when insuring your home, we've made sure it's the last thing on your mind if it happens by including it automatically.*

Hassle-free claims service

We make sure the claims process is as effortless as possible, and will pay valid claims as soon as we can.

What else is covered?

  • Residential buildings
  • Garages and sheds
  • Infrastructure for services
  • In-built swimming pools and spas
  • Money
  • Jewellery
  • Furniture and whitegoods
  • Computers and software

Choose the right cover for your home

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Accidental Damage

This is the highest level of cover we offer. As well as cover for events like fire, theft, and flood, you'll also have cover for a range of other types of accidental loss or damage.

  • Accidental damage or accidental loss

  • Accidental breakage
    Windows, mirrors, glassware, and more

  • Valuable items
    Up to $7,500 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
    Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more

  • Optional additional valuables cover
    Worldwide cover for up to 90 consecutive days (an excess of $250 will apply to claims under this option)

  • Vet expenses if your pet is injured in a road accident
    Up to $500

  • Credit and transaction card misuse
    Up to $5,000

  • Replacing keys and recoding of locks and barrels
    Reasonable costs

Get a quote

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Listed Events

Balance quality features with competitive pricing. Your home and contents can be protected from a wide range of events, including natural disasters, weather events, break-ins and more.

  • Accidental damage or accidental loss

  • Accidental breakage
    Windows, mirrors, glassware, and more

  • Valuable items
    Up to $5,000 or 20% of your sum insured, whichever is greater (maximum limits per item apply)
    Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more

  • Optional additional valuables cover
    Worldwide cover for up to 90 consecutive days (an excess of $250 will apply to claims under this option)

  • Vet expenses if your pet is injured in a road accident
    Up to $500

  • Credit and transaction card misuse
    Up to $5,000

  • Replacing keys and recoding of locks and barrels
    Up to $1,000

Get a quote

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Fundamentals

Our basic level of cover provides an economical option while still helping to protect your home from floods, fires, break-ins and more.


  • Accidental damage or accidental loss

  • Accidental breakage
    Windows, mirrors, glassware, and more

  • Valuable items
    Up to $2,000 in total (maximum limits per item apply)
    Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, and more

  • Optional additional valuables cover




  • Vet expenses if your pet is injured in a road accident

  • Credit and transaction card misuse
    Up to $1,000

  • Replacing keys and recoding of locks and barrels
    Up to $1,000

Get a quote

This is only a summary, refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.

Ready to go?

Answer a few questions about your building and what's in it and you could be covered in just a few minutes.

Get a quote

Need to make a claim?

The quickest and easiest way to make a claim is to contact our partner CGU's 24/7 claims team on 13 24 80. Find out more.

Make a claim

Important information


    *Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.

    Police & Nurses Limited (bcu) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Consider the Target Market Determination (TMD) and relevant Product Disclosure Statement (PDS), available here and Target Market Determinations (TMD) to see if the product is right for you.