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Home insurance options

Building and contents

Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.

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Buildings cover

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.

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Contents cover

Get cover for items in your home, even if you accidentally leave a window or door unlocked.

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Cover for loss or damage to your home and contents

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental breakage of glass
Yes
Yes
Yes
Yes
Animal damage
Yes
Yes
Yes
Yes
Deliberate or intentional act
Yes
Yes
Yes
Yes
Earthquake
Yes
Yes
Yes
Yes
Escape of water or liquid
Yes
Yes
Yes
Yes
Explosion
Yes
Yes
Yes
Yes
Fire
Yes
Yes
Yes
Yes
Flood or rainwater run-off
Yes
Yes
Yes
Yes
Impact
Yes
Yes
Yes
Yes
Lightning
Yes
Yes
Yes
Yes
Riot or civil commotion
Yes
Yes
Yes
Yes
Storm
Yes
Yes
Yes
Yes
Storm surge or tsunami
Yes
Yes
Yes
Yes
Theft or attempted theft
Yes
Yes
Yes
Yes
Accidental damage – at your home Optional
Yes
 Optional
Yes
Electrical motor burnout Optional
Yes
 Optional
Yes
Cover for liability
Yes
Yes
Yes
Yes

Additional benefits

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental damage for contents in transit to new home
No
No
Yes
Yes
Buying a new home
Yes
Yes
No
No
Contents away from your home
No
No
Yes
Yes
Contents in storage
No
No
Yes
Yes
Contents in the open air
No
No
Yes
Yes
Contents in transit
No
No
Yes
Yes
Food spoilage
No
No
Yes
Yes
Funeral expenses
Yes
Yes
Yes
Yes
Identity theft
No
No
Yes
Yes
Landscaping
Yes
Yes
No
No
Locating the cause of damage
Yes
Yes
No
No
Meeting building regulations
Yes
Yes
No
No
Mortgage discharge costs
Yes
Yes
No
No
Moving to a new home
No
No
Yes
Yes
Owner fixtures – strata scheme
No
No
Yes
Yes
Professional and rebuilding fees
Yes
Yes
No
No
Removal of debris
Yes
Yes
Yes
Yes
Replacement of keys and locks
Yes
Yes
Yes
Yes
Safety net
No
Yes
No
No
Storage costs
No
No
Yes
Yes
Students living away from home
No
No
Yes
Yes
Temporary accommodation
Yes
Yes
Yes
Yes
Visitors’ belongings
No
No
Yes
Yes

Optional benefits

Cover Building
Standard		 Building
Plus		 Contents
Standard		 Contents
Plus
Accidental damage – at your home Optional
Yes
 Optional
Yes
Electrical motor burnout Optional
Yes
 Optional
Yes
Portable contents – away from your home
No
No
 Optional Optional
Valuable contents – inside your home
No
No
 Optional Optional