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Protect the structure of your home

Building Insurance

We offer building insurance that offers appealing cover options, so you can sleep easy knowing you have cover for your assets and any other buildings on your property.

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Pay monthly, no problem

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

We'll help keep a roof over your head

If your roof has been blown away in a storm or an event makes your home unliveable, we’ll pay for you to live somewhere safe for up to 12 months, for the value of up to 10% of the sum insured.*

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

Is something missing?

If you're looking to have cover for both the home you live in and the things inside it, find out more about Building and Contents Insurance through CGU.

Find out more

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 almost any type of accidental loss or damage.

  • Accidental damage or accidental loss

  • Accidental breakage
    Windows, mirrors, glassware, and more

  • Burning out of electric motors

  • Trees, plants and shrubs
    Up to $1,500

  • Removal of debris and demolishing costs
    Up to 10% of the sum insured

  • Liability cover
    Up to $20 million

  • Replacing keys and recoding of locks and barrels
    Reasonable costs

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Listed Events

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

  • Accidental damage or accidental loss

  • Accidental breakage
    Windows, mirrors, glassware, and more

  • Burning out of electric motors

  • Trees, plants and shrubs
    Up to $750

  • Removal of debris and demolishing costs
    Up to 10% of the sum insured

  • Liability cover
    Up to $20 million

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

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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

  • Burning out of electric motors

  • Trees, plants and shrubs

  • Removal of debris and demolishing costs
    Up to 10% of the sum insured

  • Liability cover
    Up to $20 million

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

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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.

Home Building Calculator  
Home Contents Calculator

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.

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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.

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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 11 000 016 722, 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 Product Disclosure Statement and Target Market Determinations.