What home insurance cover do you need?
Building and contents
Combined building and contents insurance gives you cover for both your home and the many items inside it.
Buildings cover
Building insurance covers both the house you live in, plus any other buildings on your property – like sheds and garages.
Contents cover
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Manage your insurance online
For policies purchased or renewed after DATE, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at .
For significant changes, like purchasing a new car, please call us directly at .
Manage your insurance onlineNeed to make a claim?
Call our partner CGU's claims team 24 hours a day, seven days a week on to lodge a claim.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.
Compare the different insurance cover types
Cover for loss or damage to your home and contents
| Cover | Building Standard |
Building Plus |
Contents Standard |
Contents Plus |
|---|---|---|---|---|
| Accidental breakage of glass |
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| Animal damage |
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| Deliberate or intentional act |
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| Earthquake |
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| Escape of water or liquid |
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| Explosion |
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| Fire |
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| Flood or rainwater run-off |
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| Impact |
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| Lightning |
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| Riot or civil commotion |
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| Storm |
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| Storm surge or tsunami |
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| Theft or attempted theft |
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| Accidental damage – at your home | Optional |
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Optional |
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| Electrical motor burnout | Optional |
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Optional |
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| Cover for liability |
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Additional benefits
| Cover | Building Standard |
Building Plus |
Contents Standard |
Contents Plus |
|---|---|---|---|---|
| Accidental damage for contents in transit to new home |
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| Buying a new home |
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| Contents away from your home |
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| Contents in storage |
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| Contents in the open air |
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| Contents in transit |
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| Food spoilage |
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| Funeral expenses |
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| Identity theft |
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| Landscaping |
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| Locating the cause of damage |
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| Meeting building regulations |
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| Mortgage discharge costs |
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| Moving to a new home |
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| Owner fixtures – strata scheme |
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| Professional and rebuilding fees |
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| Removal of debris |
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| Replacement of keys and locks |
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| Safety net |
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| Storage costs |
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| Students living away from home |
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| Temporary accommodation |
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| Visitors’ belongings |
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Optional benefits
| Cover | Building Standard |
Building Plus |
Contents Standard |
Contents Plus |
|---|---|---|---|---|
| Accidental damage – at your home | Optional |
|
Optional |
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| Electrical motor burnout | Optional |
|
Optional |
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| Portable contents – away from your home |
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Optional | Optional |
| Valuable contents – inside your home |
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Optional | Optional |
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.
Important information
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Police & Nurses Limited (P&N Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. 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 and Target Market Determinations (TMDs).