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.
Contents Insurance includes:
- Theft & vandalism
Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys. - Flood, storm & storm surge
Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge, and tsunami.1 - Fire
Cover for loss and damage to your 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 medicine.3
Optional cover
Accidental damage
Add cover for damage to your items from unintentional mishaps in your home. 4
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout
Add cover for electric motor burnout in appliances (like washing machines), including parts and labour.5
Portable contents
Choose to cover items like glasses, jewellery, laptops, and mobile phones when you take them outside your home. 6
Do you know how much your contents are worth?
Avoid the possibility of under-insuring your contents and make sure you have appropriate cover for your important possessions.
Home contents value calculator
Important information
Excesses 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. 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 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 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.
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.