Get cover for items in your home. Get a quote to make it yours.
Purchase a new CGU Home, Landlord or Comprehensive Motor Vehicle Insurance policy with The Mutual Bank by 28 April 2026 and receive a $200 eGift card.
Make it yours.
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about.
For premium contents cover, choose Contents Plus when you're getting a quote.
Theft & vandalism: Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
Flood, storm & storm surge: Cover for damage to your home caused by flood, rainwater run-off, storm surge and tsunami.1
Fire: Cover for loss and damage to your home and items caused by fire (including bushfire).
Temporary accommodation: If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
No excess for food spoilage: If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine3
Accidental Damage: Add cover for damage to your items for unintentional mishaps in your home.4
Valuable Contents: Increase your cover for items in your home like art, jewellery and collectables.
Motor Burnout: Add cover for electric motor burnout5 in appliances (like washing machines), including parts and labour.
Portable Contents: Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.
Choose Contents Pus when you're getting a quote. Contents Plus gives you:
This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Cover |
Building Plus |
Contents Plus |
Building Standard |
Contents Standard |
Cover for loss or damage to Your Home and Contents |
||||
| Accidental breakage of glass | y | y | y | y |
| Animal damage | y | y | y | y |
| Deliberate or intentional act | y | y | y | y |
| Earthquake | y | y | y | y |
| Escape of water or liquid | y | y | y | y |
| Explosion | y | y | y | y |
| Fire | y | y | y | y |
| Flood or Rainwater Run-off | y | y | y | y |
| Impact | y | y | y | y |
| Lightning | y | y | y | y |
| Riot or civil commotion | y | y | y | y |
| Storm | y | y | y | y |
| Storm Surge or tsunami | y | y | y | y |
| Theft or attempted theft | y | y | y | y |
| Accidental damage – at Your Home Optional | y | y | Optional | Optional |
| Electrical motor burnout Optional | y | y | Optional | Optional |
| Cover for liability | y | y | y | y |
Additional benefits |
||||
| Accidental damage for Contents in transit to new home | x | y | x | y |
| Buying a new home | y | x | y | x |
| Contents away from Your Home | x | y | x | y |
| Contents in storage | x | y | x | y |
| Contents in the open air | x | y | x | y |
| Contents in transit | x | y | x | y |
| Food spoilage | x | y | x | y |
| Funeral expenses | y | y | y | y |
| Identity theft | x | y | x | y |
| Landscaping | y | x | y | x |
| Locating the cause of damage | y | x | y | x |
| Meeting building regulations | y | x | y | x |
| Mortgage discharge costs | y | x | y | x |
| Moving to a new home | x | y | x | y |
| Owner fixtures – Strata scheme | x | y | x | y |
| Professional and rebuilding fees | y | x | y | x |
| Removal of debris | y | y | y | y |
| Replacement of keys and locks | y | y | y | y |
| Safety net | y | x | x | x |
| Storage costs | x | y | x | y |
| Students living away from Home | x | y | x | y |
| Temporary accommodation | y | y | y | y |
| Visitors’ belongings | x | y | x | y |
Optional benefits |
||||
| Accidental damage – at Your Home | Automatically Included | Automatically Included | Optional | Optional |
| Electrical motor burnout | Automatically Included | Automatically Included | Optional | Optional |
| Portable Contents – away from Your Home Optional Optional | x | Optional | x | Optional |
| Valuable Contents – inside Your Home | x | Optional | x | Optional |
CGU offers a lifetime guarantee on the workmanship of all authorised repairs to your home or car, valid for as long as you own the car.
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.
General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.
The changes you can make to your policies using your online account depend on the specific policies you hold.
For example, if you have a Comprehensive Car Insurance policy, you can:
For more information about what changes you can make to your policy, please contact CGU on 13 24 81.
View and compare Home and Contents Insurance
What you need to know:
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), CGU cover the reasonable costs of temporary accommodation.
3 CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.
3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.
Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from CGU website here.
