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Home and Contents Insurance

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Safeguarding your home and possessions

We all have our valued possessions, along with many more we take for granted. While some are irreplaceable, there are a surprising number we would need to replace, should the worst happen. From kitchen appliances to the kitchen sink and house itself... it all adds up.

What if a major catastrophe - like fire, lightning, storm or flood damage or falling trees - hit your home? How would you afford to replace the clothes, furniture, books and other items lost in a fire? What would be the real cost of rebuilding or repairing your home to the quality and size it is now?

And what of those essentials of daily life we take out and about - tablets, music players, mobile phones, digital cameras and sunglasses? Small, portable, easy to lose, and appealing to thieves. Costly to replace and frustrating to do without.

There are three cover options to choose from - Fundamentals Home, Listed Events and Accidental Damage Home.

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Fundamentals Home

This option is for the budget conscious and covers you for defined events with generous new-for-old contents replacement meaning your contents will not depreciate, regardless of age.

Listed Events

This option provides mid-range cover and protects against burglary and even theft without forced entry, debris removal costs in addition to your sum insured, alternative accommodation expenses, new-for-old replacement and more.

Accidental Damage Home

This option provides extensive protection, covering your building and contents for almost any type of accidental loss or damage and includes new-for-old replacement, alternative accommodation expenses and much more.

In addition, with these home and contents cover options, you will:

  • have a choice in excess - the higher the excess the lower the premium
  • benefit from a superior claims service should you ever need to make a claim, and
  • be backed by the strength, security and service of one of Australia's leading general insurers.
  Related information:


Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Terms, conditions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your personal needs, objectives and financial circumstances and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if a product is right for you.

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