Basic - Fundamentals Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- No
- Gates and fences
- Yes
Basic - Fundamentals Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $500
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Jewellery
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Basic - Fundamentals Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $500
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Jewellery
- Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- No
- Gates and fences
- Yes
Premium - Accidental Damage Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Yes
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $1,500 for plants
- Gates and fences
- Yes
Premium - Accidental Damage Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $1,250
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Jewellery
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Up to $10,000
- Lock replacement
- Yes
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Premium - Accidental Damage Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $1,250
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Jewellery
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Up to $10,000
- Lock replacement
- Yes
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $1,500 for plants
- Gates and fences
- Yes
Quality - Listed Events Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition cost
- Demolition cost
- Up to 10% of sum insured combined with debris removal cost
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $750 for plants
- Gates and fences
- Yes
Quality - Listed Events Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $750
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Jewellery
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Up to $10,000
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- No
- Landscaping
- No
- Gates and fences
- No
Quality - Listed Events Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- Monthly payments cost extra
-
no
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $750
- Cd dvd and electronic files
- Up to $20,000 per item or set
- Computer software hardware
- Up to $20,000 per item or set
- Camera and accessories
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Carpets
- Up to $20,000 per item or set
- Antiques and valuables
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Jewellery
- Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $5,000
- Contents while moving
- Up to $10,000
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Debris removal
- Up to 10% of sum insured combined with demolition costs
- Demolition cost
- Up to 10% of sum insured combined with debris removal costs
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $750 for plants
- Gates and fences
- Yes
Your selected home insurance
CGU home insurance ratings
Customer reviews
-
CGU
We haven’t had much to do with our home insurance. It was just one we were suggested when we got a home loan so don’t really have a review about them as of yet. But when I’ve had to call them I’ve never had to wait to long to speak to some one and they were always able to help with the enquiry
-
Quality over price
Had had CGU insurance for years, yes more expensive however more coverage and claim process is great. Wouldn’t feel comfortable going for a cheaper cover as wouldn’t be confident I had enough coverage
-
Insurance Excellence.
CGU Insurance is a very helpful insurance company. Their staff are always happy to discuss your problems or claims or situations and help solve things to your satisfaction. They do not hassle or bully you but go that bit extra for the most important person in their business-THE CUSTOMER. Insurance Excellence.
-
Professional insurance company with great service.
I have been with CGU for several years now and have had the bad luck of making a claim. Upon making contact and explaining what had happened I was emailed the claims form, filled it out and posted to them with the repairer's name and details. Within weeks I had approval to purchase a replacement TV minus the excess fee. CGU answered any questions I had along the way and everything was handled professionally. The excess fee was inline with other insurance company's. I was happy with the service I received from CGU.
-
highly recommend
very professional no problems variations after initial assessment approved. Very Happy
-
Cgu has a very comprehensive cover.
I am happy with the cover provided. Their cover is very comprehensive
CGU products
Home insurance quick links
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