CGU home insurance

With 160 years of home and contents insurance experience behind them, CGU have a strong following with their promise of a simple claims policy and an overall hassle-free experience.

CGU offers three tiers of protection for building, contents and combined cover. So whether you're buying or renting, CGU has a range of options to help you choose the right insurance for your needs.

CGU offers the following home insurance

Rates and fees verified as correct at 02 August, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Accidental Damage Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Fundamentals Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

Listed Events Home Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

No

No

Yes

How is CGU home insurance rated?

Mozo users have rated CGU home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
CGU home insurance
Overall
7.5/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

183 Reviews

Recent CGU home insurance reviews

CGU Home Insurance
Overall 1/10
DO NOT TAKE INSURANCE WITH CGU

Absolutely Pathetic. A water damage claim that was wrongly assessed by their builder on a claim that took more than 14 months to have completed. Once the work was completed the same issue in my roof happened in the exact same spot after two days of being fixed and they told me I would need to lodge another claim and pay the excess again. Not to mention the absolutely disgusting customer service Calls were not returned, they do not care about their customer they just care about getting your money into their pockets. AVOID AT ALL COSTS. The below is part of what they called a completed job and refused to fix.

Read full review

Absolutely Pathetic. A water damage claim that was wrongly assessed by their builder on a claim that took more than 14 months to have completed. Once the work was completed the same issue in my roof happened in the exact same spot after two days of being fixed and they told me I would need to lodge another claim and pay the excess again. Not to mention the absolutely disgusting customer service Calls were not returned, they do not care about their customer they just care about getting your money into their pockets. AVOID AT ALL COSTS. The below is part of what they called a completed job and refused to fix.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Bryan, Victoria, reviewed about 1 month ago
CGU Home & Contents Insurance
Overall 9/10
Very good company to use for insurance.

We use a broker to obtain quotes each year and CGU comes out the best each year. We use them for building & contents and landlord insurance. Repaired a flooded house and paid insurance equivalent to rent each week. Excellent for our needs. Then we had a tenants friend drive into front of a different house which was also repaired in a timely manner.

Read full review

We use a broker to obtain quotes each year and CGU comes out the best each year. We use them for building & contents and landlord insurance. Repaired a flooded house and paid insurance equivalent to rent each week. Excellent for our needs. Then we had a tenants friend drive into front of a different house which was also repaired in a timely manner.

Value for money
9/10
Policy coverage
8/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Jennifer, Queensland, reviewed 21 days ago
CGU Home Insurance
Overall 9/10
Great service

We have made one claim with CGU about four years ago. Very prompt and very helpful. Staff were courteous although the one problem we had was after approving a certain provider, setting up the repairs etc, they decided we couldn't use that provider and they were going to fly someone in from interstate to do the work. Once we pointed out the original provider was local and one they had used in the past. They paid us directly so we could do it on our own say so. Handled it well and generally happy for the most part with them. Expensive but all insurance companies are so not much can be done

Read full review

We have made one claim with CGU about four years ago. Very prompt and very helpful. Staff were courteous although the one problem we had was after approving a certain provider, setting up the repairs etc, they decided we couldn't use that provider and they were going to fly someone in from interstate to do the work. Once we pointed out the original provider was local and one they had used in the past. They paid us directly so we could do it on our own say so. Handled it well and generally happy for the most part with them. Expensive but all insurance companies are so not much can be done

Value for money
1/10
Policy coverage
8/10
Customer service
10/10
Claims handling
10/10
Trust
5/10
Less
Sandy, Tasmania, reviewed about 1 month ago
CGU Building Insurance
Overall 7/10
Hassle free insurance.

Pretty happy with this insurer, they dealt with a couple of failed payments in a relatively painless way.

Read full review

Pretty happy with this insurer, they dealt with a couple of failed payments in a relatively painless way.

Value for money
7/10
Policy coverage
7/10
Customer service
8/10
Trust
7/10
Less
Joshua, New South Wales, reviewed 3 months ago

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