Choose the insurance to help suit your needs

All CGU Home Insurance policies automatically include cover for flood. 

Please read the Product Disclosure Statement available below which explains what is covered under each policy and any applicable exclusions.


On this page, there is a limited summary of this insurance policy. Please read the PDS for details of limits, exclusions, underwriting criteria and terms and conditions before deciding which cover is right for you.

Step 1. Choose what you need to protect 

Help protect your family home, your home contents or both.

Combined Building and Contents

Cover for both

Combined Buildings and Contents Insurance gives you cover for both your home and certain items inside it.

Building cover

Coverage for structures only

Buildings Insurance covers both the dwelling you live in, plus other buildings on your property - like sheds and garages.

Contents cover

Coverage for contents only

Contents Insurance covers you for a wide range of items inside your home.

Step 2. Choose the level of cover to suit your needs

Premium Cover

(Accidental Damage)


Quality Cover

(Listed Events)


Basic Cover



Home Insurance Frequently Asked Questions

The quickest and easiest way to make a claim is to contact CGU Insurance directly on 13 22 94. Claims can be lodged 24 hours / 7 days a week.

Enquiries on existing claims can be made from 8:30 am to 5:00 pm local time.

This depends on the type of policy you’ve taken out. CGU Insurance has prepared a Product Disclosure Statement below for each home insurance level of cover, which sets out exclusions applicable to the relevant policy.

Important Documents

Before you decide on the cover, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you'll learn about what's covered and what's not.

 + Product Disclosure Statement - Accidental Damage

 + Product Disclosure Statement - Listed Events

 + Product Disclosure Statement - Fundamentals

 + Key Facts Sheet - Home Contents Policy

 + Key Facts Sheet - Home Building Policy

Important Information

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 acts under its own AFSL/Australian credit licence 238139 and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided 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 the Product Disclosure Statement and Target Market Determinations from here. 

If you purchase an insurance policy, The Mutual Bank will receive a commission.