Home & Contents Insurance

Helping you find the right cover for your home

You can rest easy knowing the home you worked hard for is covered by an insurer with 160 years experience. CGU, our partner in Home Insurance provides cover for your home, contents, or both under the same policy.

24-hour access to CGU's Claims Assistance Service Hotline
A choice of Accidental Damage, Listed Events or Fundamentals cover
New for old cover for contents
Up to $20 million of liability cover
‘Pay by the Month’ premiums at no extra charge
A trusted network of repairers

Cover levels to help suit your needs

Accidental damage - high level of cover
Cover for Accidental Damage, Accidental Loss and Listed Events with Additional Benefits
Listed Events - mid level of cover
Cover for Listed Events with Additional Benefits
Fundamentals - lowest level of cover
Cover for a restricted number of Listed Events and limited Additional Benefits

Building and Contents

Combined Building & Contents Insurance is our most popular type of home insurance, giving you cover for both your home and the many things inside it.

✓ Residential building protection

✓ Infrastructure for services

✓ Inbuilt swimming pools and spas

✓ Money

✓ Jewellery

✓ Computer and software

✓ Furniture

Buildings cover

Building Insurance covers both the dwelling you live in, plus any other buildings on your property – like sheds and garages.

✓ Residential building protection

✓ Infrastructure for services

✓ Inbuilt swimming pools and spas

✖ Money

✖ Jewellery

✖ Computer and software

✖ Furniture

Contents cover

Contents Insurance, you’re covered for a wide range of items – from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains.

✖ Residential building protection

✖ Infrastructure for services

✖ Inbuilt swimming pools and spas

✓ Money

✓ Jewellery

✓ Computer and software

✓ Furniture

We're here to help you

Our friendly staff are here to assist you in finding the right cover. Get in contact for an obligation free quote or help arranging your policy.

Home Insurance FAQs

Learn more about home, building and contents insurance.

Am I covered for flood?

Yes, you are. All home insurance policies include flood cover. Damage from tsunamis, storm and rainwater are covered, too.

The Product Disclosure Statements are available below, which sets out what each product and policy covers and any applicable exclusions.

Do I have to pay an excess?

Your quote for home insurance will clearly specify if there is any excess applicable to your policy and, if so, how it will be calculated and paid.

How do I make a claim?

The quickest and easiest way to make a claim is to contact CGU Insurance directly on 13 22 94. Claims can be lodged 24 hours / 7 days a week.

Enquiries on existing claims can be made from 8:30 am to 5:00 pm local time.

What isn't covered by home insurance?

This depends on the type of policy you’ve taken out. Each of our home insurance policies comes with its own Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.

In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home and contents deteriorating over time due to age).

We encourage you to read your PDS to see the full list of what is and isn’t covered.

Important Documents

Before you decide on the cover, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.

Get a quote today!

Other insurance products

Car Insurance

Depending on the type of cover you choose, if your car is in an accident, CGU’s car insurance can help cover the cost of damage to cars and property, as well as injury to other drivers.

Landlords Insurance

CGU’s Landlords Residential Property Insurance can help protect your investment property against a range of events like storms, fire, flood and more, along with optional cover to protect your rental income.

Important information

The advice on this web page is general advice only and does not take into account your individual objectives, financial situation or needs ('your personal circumstances'). Terms, conditions, and limits apply, please see full Product Disclosure Statement (PDS) for details.

Ford Co-operative Credit Society Limited ABN 74 087 651 456 trading as Geelong Bank AFSL 244351 (Geelong Bank) acts as a referrer under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 Australian Financial Services Licence No. 227681, trading as CGU Insurance (CGU). If you take out an insurance product with CGU Insurance, it will pay Geelong Bank a commission of up to 15% of the premium (exclusive of government charges). The commission will also be paid on any variations to your policy and on renewal. The commissions paid to Geelong Bank are included as part of your premium. When making decisions about insurance, consider the Product Disclosure Statement and Target Market Determinations available from www.cgu.com.au.