Cover your home inside and out
Your home is more than just a building—it’s where life happens. Home and Contents Insurance helps protect both your property and the things that make it yours. With cover for events like theft, fire, storm damage, and more, you can explore a policy that suits your needs. Plus, options like temporary accommodation and emergency repairs can help when the unexpected happens.
Compare Building and Contents Insurance
View Product TableBuilding and Contents Insurance
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.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
– For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ 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 tsunami1.
✓ 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 accommodation2.
✓ 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.
OPTIONAL COVER –
Accidental damage: Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home4.
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 home6.
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.
Building and Contents Insurance Disclaimers – What you need to know
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If you have Contents Insurance, and you’re renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it’s part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation. 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), and away from your home but still in Australia (under Contents 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Building Insurance
Protect your home with Building Insurance.
If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.
Additionally, if you can’t live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.
For more comprehensive coverage, consider choosing Building Plus when you get a quote.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
– For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ Theft & vandalism: Cover damage to your home from robbery and vandalism, including stolen keys.
✓ Flood, storm & storm surge: Cover for damage to your home caused by flood, rainwater run-off, storm, storm surge and tsunami1.
✓ 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 caused by fire (including bushfire).
✓ Temporary accommodation: If your home can’t be lived in
after a covered event, CGU pays for temporary accommodation2.
✓ 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.
OPTIONAL COVER –
Accidental damage: Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.
Motor burnout: Add cover for electric motor burnout in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour4.
Choose Building Plus when you’re getting a quote.
Building 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 landscaping.
Building Insurance Disclaimers – 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 cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
Contents Insurance
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.
For premium contents cover, choose Contents Plus when you’re getting a quote.
– For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement (PDS).
✓ 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 items caused by flood, rainwater run-off, storm, storm surge and tsunami1.
✓ Fire: Cover for loss and damage to your items caused by fire (including bushfire).
✓ Temporary accommodation: If your home can’t be lived in after a covered event, CGU pays for temporary accommodation2.
✓ No excess for food spoilage: If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine3.
OPTIONAL COVER –
Accidental damage: Add cover for damage to your items from unintentional mishaps in your home4.
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 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 home6.
Choose Contents Plus when you’re getting a quote.
Contents Plus gives you:
✓ 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Contents Insurance Standard.
✓ Plus, motor burnout and accidental damage automatically included.
✓ Plus, higher limits on some inclusions, like food spoilage and
landscaping. Read the Product Disclosure Statement to see exactly what’s included.
Contents Insurance Disclaimers – What you need to know
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If you have Contents Insurance, and you’re renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it’s part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation.
3 CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.
3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents 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. View the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD).
| 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 | ✓ | ✓ | ✓ | ✓ |
| Explosion | ✓ | ✓ | ✓ | ✓ |
| Fire | ✓ | ✓ | ✓ | ✓ |
| Flood or Rainwater Run-off | ✓ | ✓ | ✓ | ✓ |
| Impact | ✓ | ✓ | ✓ | ✓ |
| Lighting | ✓ | ✓ | ✓ | ✓ |
| Riot or civil commotion | ✓ | ✓ | ✓ | ✓ |
| Storm | ✓ | ✓ | ✓ | ✓ |
| Storm Surge or tsunami | ✓ | ✓ | ✓ | ✓ |
| Theft or attempted theft | ✓ | ✓ | ✓ | ✓ |
| Accidental damage – at Your Home | ✓ | ✓ | ✓ | ✓ |
| Electrical motor burnout | ✓ | ✓ | Optional | Optional |
| Cover for liability | ✓ | ✓ | Optional | Optional |
| Additional benefits | ||||
| Accidental damage for Contents in transit to new home | ✗ | ✓ | ✗ | ✓ |
| Buying a new home | ✓ | ✗ | ✓ | ✗ |
| Contents away from Your Home | ✗ | ✓ | ✗ | ✓ |
| Contents in storage | ✗ | ✓ | ✗ | ✓ |
| Contents in the open air | ✗ | ✓ | ✗ | ✓ |
| Contents in transit | ✗ | ✓ | ✗ | ✓ |
| Food spoilage | ✗ | ✓ | ✗ | ✓ |
| Funeral expenses | ✓ | ✓ | ✓ | ✓ |
| Identity Theft | ✗ | ✓ | ✗ | ✓ |
| Landscaping | ✓ | ✗ | ✓ | ✗ |
| Locating the cause of damage | ✓ | ✗ | ✓ | ✗ |
| Meeting building regulations | ✓ | ✗ | ✓ | ✗ |
| Mortgage discharge costs | ✓ | ✗ | ✓ | ✗ |
| Moving to a new home | ✗ | ✓ | ✗ | ✓ |
| Owner fixtures – Strata Scheme | ✗ | ✓ | ✗ | ✓ |
| Professional and rebuilding fees | ✓ | ✗ | ✓ | ✗ |
| Removal of debris | ✓ | ✓ | ✓ | ✓ |
| Replacement of keys and locks | ✓ | ✓ | ✓ | ✓ |
| Safety net | ✓ | ✗ | ✗ | ✗ |
| Storage costs | ✗ | ✓ | ✗ | ✓ |
| Students living away from Home | ✗ | ✓ | ✗ | ✓ |
| Temporary accommodation | ✓ | ✓ | ✓ | ✓ |
| Visitors’ belongings | ✗ | ✓ | ✗ | ✓ |
| 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 |
| Valuable Contents – inside Your Home | ✗ | Optional | ✗ | 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. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
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.
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 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, if you accidentally put your foot through the ceiling while in the roof. Whether your building is 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.
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 contents for more than the cost to repair or replace, CGU will only pay the actual cost of repairing or replacing.
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. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.
General Contents: These are items you keep in and around your home that aren’t permanently attached to the structure, like furniture.
Valuable Contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories: Works of art – Collections -Jewellery and watches. You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit.
Portable Contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose Portable contents as an optional benefit.
General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU’s acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.
The Capricornian Ltd ABN 54 087 650 940 AFSL / ACL 246780 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 (PDS) and Target Market Determinations (TMD).
