Protect your home inside and out. Get a quote to make it yours.
Purchase a new CGU Home, Landlord or Comprehensive Motor Vehicle Insurance policy with The Mutual Bank by 28 April 2026 and receive a $200 eGift card.
Make it yours.
Protect your home inside and out with combined Building and Contents Insurance. Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
If you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
Theft & vandalism: Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
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.1
Rebuilding your home: CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
Fire: Cover for loss and damage to your home and items caused by fire (including bushfire).
Temporary accommodation: If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
Emergency repairs: If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe.
Visitors' belongings: Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).
Liability for injury or damage: Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m).3
Accidental Damage: Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home.4
Valuable contents: Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout: Add cover for electric motor burnout5 in fixtures (like air con) and appliances (like washing machines), including parts and labour.
Portable contents: Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.6
Choose Building and Contents Plus when you're getting a quote. Building and Contents Plus gives you:
✓ A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.
✓ Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.
✓ Plus, higher limits on some inclusions, like food spoilage and landscaping.
| Product disclosure statement and policy book (PDS) | Product Disclosure Statement and Policy Booklet (PDS) |
| Premium, excess and discounts guide (PED) | Premium, Excess and Discounts Guide (PED) |
| Home building key facts sheet (KFS) | Home Building Key Facts Sheet (KFS) |
| Home contents key fact sheet (KFS) | Home Contents Key Facts Sheet (KFS) |
| Target market determinations | Target Market Determination |
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. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Building Plus |
Contents Plus |
Building Standard |
Contents Standard |
|
Cover for loss or damage to Your Home and Contents |
||||
| Accidental breakage of glass | ✔ | ✔ | ✔ | ✔ |
| Animal damage | ✔ | ✔ | ✔ | ✔ |
| Deliberate or intentional act | ✔ | ✔ | ✔ | ✔ |
| Earthquake | ✔ | ✔ | ✔ | ✔ |
| Escape of water or liquid | ✔ | ✔ | ✔ | y |
| Explosion | ✔ | ✔ | ✔ | ✔ |
| Fire | ✔ | ✔ | ✔ | ✔ |
| Flood or Rainwater Run-off | ✔ | ✔ | ✔ | ✔ |
| Impact | ✔ | ✔ | ✔ | ✔ |
| Lightning | ✔ | ✔ | ✔ | ✔ |
| Riot or civil commotion | ✔ | ✔ | ✔ | ✔ |
| Storm | ✔ | ✔ | ✔ | ✔ |
| Storm Surge or tsunami | ✔ | ✔ | ✔ | ✔ |
| Theft or attempted theft | ✔ | ✔ | ✔ | ✔ |
| Accidental damage – at Your Home Optional | ✔ | ✔ | Optional | Optional |
| Electrical motor burnout Optional | ✔ | ✔ | Optional | Optional |
| Cover for liability | ✔ | ✔ | ✔ | ✔ |
Additional benefits |
||||
| Accidental damage for Contents in transit to new home | ☓ | y | x | y |
| Buying a new home | y | x | y | x |
| Contents away from Your Home | x | y | x | y |
| Contents in storage | x | y | x | y |
| Contents in the open air | x | y | x | y |
| Contents in transit | x | y | x | y |
| Food spoilage | x | y | x | y |
| Funeral expenses | y | y | y | y |
| Identity theft | x | y | x | y |
| Landscaping | y | x | y | x |
| Locating the cause of damage | y | x | y | x |
| Meeting building regulations | y | x | y | x |
| Mortgage discharge costs | y | x | y | x |
| Moving to a new home | x | y | x | y |
| Owner fixtures – Strata scheme | x | y | x | y |
| Professional and rebuilding fees | y | x | y | x |
| Removal of debris | y | y | y | y |
| Replacement of keys and locks | y | y | y | y |
| Safety net | y | x | x | x |
| Storage costs | x | y | x | y |
| Students living away from Home | x | y | x | y |
| Temporary accommodation | y | y | y | y |
| Visitors’ belongings | x | y | x | y |
Optional benefits |
||||
| Accidental damage – at Your Home | Automatically Included | Automatically Included | Optional | Optional |
| Electrical motor burnout | Automatically Included | Automatically Included | Optional | Optional |
| Portable Contents – away from Your Home Optional Optional | x | Optional | x | Optional |
| Valuable Contents – inside Your Home | x | Optional | x | Optional |
CGU offers a lifetime guarantee on the workmanship of all authorised repairs to your home or car, valid for as long as you own the car.
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
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.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
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:
For more information about what changes you can make to your policy, please contact CGU on 13 24 81.
View and compare Home and Contents Insurance
What you need to know:
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
3 Cover applies if the incident happens at your home (under Building insurance).
4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
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 CGU website here.
The Mutual Bank ABN 94 087 651 983, AFSL 238139 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. 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 the CGU website here.
