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

Cover information and limits in the table below verified as correct at 23 April 2024. Other information correct at the time of writing.
Advertiser disclosure.

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

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

No

No

Yes

Quality - 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
Value for money
Policy coverage
Customer service
Claims handling
Trust

192 Reviews

Recent CGU home insurance reviews

CGU Home & Contents Insurance
Overall 6/10
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

Read full review

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

Value for money
4/10
Policy coverage
7/10
Trust
5/10
Less
Jenn, New South Wales, reviewed about 2 months ago
CGU Contents Insurance
Overall 10/10
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

Read full review

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

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Claims handling
9/10
Trust
9/10
Less
Sarah, Victoria, reviewed 7 months ago
CGU Home Insurance
Overall 10/10
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.

Read full review

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.

Value for money
9/10
Policy coverage
9/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Frank, Queensland, reviewed 9 months ago
CGU Home & Contents Insurance
Overall 8/10
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.

Read full review

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.

Value for money
9/10
Policy coverage
10/10
Customer service
9/10
Claims handling
10/10
Trust
9/10
Less
Tony, Western Australia, reviewed 9 months ago
See all home insurance reviews
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