Basic - Fundamentals Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
No
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Basic - Fundamentals Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
No
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Cash
-
Up to $500
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $2,500
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
Basic - Fundamentals Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
No
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
No
- Antiques and valuables
-
Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Cash
-
Up to $500
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $2,500
- Identity theft
-
No
- Jewellery
-
Up to $1,000 per item or set. Up to $2,000 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Yes
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $1,500 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funerals
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to $10,000
- 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
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $10,000
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funerals
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to $10,000
- 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
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $10,000
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item or set. Up to greater of 20% sum insured or $7,500 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
Up to $1,500 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
No
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $750 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funerals
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to $10,000
- 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
- Cash
-
Up to $750
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $10,000
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
No Partner link
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
No
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
No
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funerals
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Up to $10,000
- 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
- Cash
-
Up to $750
- Cd dvd and electronic files
-
Up to $20,000 per item or set
- Computer software and 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
- Home office contents
-
Up to $10,000
- Identity theft
-
No
- Jewellery
-
Up to $2,500 per item or set. Up to greater of 20% sum insured or $5,000 in total for valuables
- Personal medical equipment
-
Up to $20,000 per item or set
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets
- Temporary accommodation for pets
-
Up to 12 months, up to 10% of sum insured combined with temporary accommodation
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
No
- Demolition cost
-
Up to 10% of sum insured combined with debris removal costs
- Debris removal
-
Up to 10% of sum insured combined with demolition costs
- Landscaping
-
Up to $750 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
-
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
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
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