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.
Get a quote
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Pay monthly, no problemInstead of charging you more to split payments across the year, we simply divide your annual premium by 12. |
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Timeless new-for-old replacementIf 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.* |
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Flood coverWhile 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.* |
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Hassle-free claims serviceWe 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
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.
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Accidental damage or accidental loss
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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
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.
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Accidental damage or accidental loss
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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
Fundamentals
Our basic level of cover provides an economical option while still helping to protect your home from floods, fires, break-ins and more.
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Accidental damage or accidental loss
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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
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Vet expenses if your pet is injured in a road accident
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Credit and transaction card misuse
Up to $1,000 -
Replacing keys and recoding of locks and barrels
Up to $1,000
This is only a summary, refer to the Product Disclosure Statement (PDS) for more information on what is and isn’t covered.
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.
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.
Need to make a claim?
You can make a claim by contacting our partner CGU's 24/7 claims team on 13 24 80. Find out more.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page.
Important information
*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the PDS for full details.
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 trading as CGU Insurance ABN 11000 016 722, AFSL 227681. Any advice provided 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 the Product Disclosure Statement and Target Market Determinations from bcu.com.au/insurance.