Landlord Insurance includes:
- Loss of rent during repairs
If your building or contents are covered and your rental property is unliveable after a covered event, CGU will pay up to 12 months of lost rent.1 - Furniture & furnishings
Cover for loss or damage to furniture, furnishings and carpet in your property.2 - Theft & vandalism
Cover for stolen items and damage to or from theft and vandalism, including stolen keys.3
- 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.4 - Fire
Cover for loss and damage caused by fire (including bushfire). - Damage from leaks
Cover for loss or damage to your property caused by liquid leaks 5 like from a burst pipe or broken heater.5
Do you know how much your investment property and it's contents are worth?
Avoid the possibility of under-insuring your building or contents and make sure you have appropriate cover.
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 20 May 2025, certain updates can be made online.
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 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.
Compare the different insurance cover types
Cover for loss or damage to your rental property and contents
| Cover | Building | Contents |
|---|---|---|
| Accidental breakage of glass |
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| Animal damage |
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| Damage by occupant |
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| Deliberate or intentional act |
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| Earthquake |
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| Electrical motor burnout |
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| Escape of water or liquid |
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| Explosion |
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| Fire |
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| Flood or rainwater run-off |
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| Impact |
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| Lightning |
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| Riot or civil commotion |
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| Storm |
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| Storm surge or tsunami |
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| Theft by tenant |
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| Theft or attempted theft |
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| Cover for liability |
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Additional benefits
| Cover | Building | Contents |
|---|---|---|
| Abandoned posessions |
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| Contents in the open air |
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| Landlord furniture and furnishings – non-strata scheme |
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| Landlord furniture and furnishings – strata scheme |
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| Landscaping |
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| Locating the cause of damage |
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| Loss of rent |
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| Meeting building regulations |
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| Mortgage discharge costs |
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| Professional and rebuilding fees |
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| Removal of debris |
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| Replacement of keys and locks |
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| Storage costs |
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Optional benefits
| Cover | Building | Contents |
|---|---|---|
| Rent default | Optional | Optional |
| Safety net | 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.
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.
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. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.
1. CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
2. Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.
3. If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.
4. CGU don’t cover actions of the sea, such as tides and waves.
5. CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.