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Protect your home with Building Insurance

If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.

Additionally, if you can't live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.

For more comprehensive coverage, consider choosing Building Plus when you get a quote.

Get a quote Make a claim online with CGU

 
If you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.

Building Insurance includes:

  • Theft & vandalism​
    Cover damage to your home from robbery and vandalism, including stolen keys.​
  • Flood, storm & storm surge​
    Cover for damage to your home caused by flood, rainwater run-off, storm, storm surge, and tsunami.​1
  • Rebuilding your home​
    CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.​​​
  • 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
  • Liability for injury or damage
    Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m).3

Optional cover

Accidental damage

Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.

Motor burnout

Add cover for electric motor burnout in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour. 4

Do you know how much your building is worth?

Avoid the possibility of under-insuring your building and make sure you have appropriate cover for your four (or more!) walls.

Building insurance value calculator

Calculate building value

Why choose to insure through CGU?

Flexible payment options

Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.

Claims guarantee

CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

Manage your insurance online

For policies purchased or renewed after DATE, certain updates can be made online.

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 online

Need 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.

Call CGU on 13 24 80 Make a claim online with CGU

Frequently asked questions

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure your home for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.

Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, if you accidentally put your foot through the ceiling while in the roof. Whether your building is covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.

Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.

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:

  • Add/edit the car's VIN
  • Add/remove a windscreen option
  • Add/remove a hire car
  • Add/remove drivers
  • Add/remove the car's credit provider
  • Amend your excess
  • Amend your sum insured
  • Change and view your risk address
  • Change kilometres driven/garaging
  • Change the address where the car is kept
  • Change your car's number plate details
  • Switch from agreed value to market value

For more information about what changes you can make to your policy, please
contact CGU on 13 24 81.

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).

1. CGU don’t cover actions of the sea, such as tides and waves.

2. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.

3. Cover applies if the incident happens at your home (under Building insurance).

4. CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.