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Pay monthly, no problem

CGU don't charge more to split payments across the year – they simply divide your annual premium by 12.

A roof over your head

Worried about where you’ll sleep at night if your home is damaged? CGU looks after you by providing temporary accommodation.*

Automatic flood cover

Enjoy added peace of mind knowing that cover for floods is included automatically.*

24/7 claims assistance

If you need to make a claim under your insurance, simply call CGU claims on 13 24 80 anytime.

What's covered?

Children playing

  • Residential buildings
  • Garages and sheds
  • Infrastructure for services
  • Swimming pools and spas

Is something missing?

If you're looking to have cover for both the home you live in and the things inside it, find out more about Building and Contents Insurance through CGU.

Find out more

Cover levels to help suit your needs and budget

Accidental Damage

This is the highest level of cover. As well as cover for events like flood, fire and theft, you'll also have accidental damage cover automatically included.

  • Accidental damage or accidental loss
  • Burning out of electric motors
  • Trees, plants and shrubs
    Up to $1,500
  • Removal of debris and demolishing costs
    Up to 10% of the sum insured
  • Liability cover
    Up to $20 million
  • Replacing keys and recoding of locks and barrels
    Reasonable costs
Get a quote

Listed Events

Balance quality features with competitive pricing. Your home and contents can be protected from a wide range of natural disasters, weather events, break-ins and more.

  • Accidental damage or accidental loss
  • Burning out of electric motors
  • Trees, plants and shrubs
    Up to $750
  • Removal of debris and demolishing costs
    Up to 10% of the sum insured
  • Liability cover
    Up to $20 million
  • Replacing keys and recoding of locks and barrels
    Up to $1,000
Get a quote

Fundamentals

A basic level of cover that provides an economical option while still helping to protect your home from floods, fires, break-ins and more.

  • Accidental damage or accidental loss
  • Burning out of electric motors
  • Trees, plants and shrubs
  • Removal of debris and demolishing costs
    Up to 10% of the sum insured
  • Liability cover
    Up to $20 million
  • Replacing keys and recoding of locks and barrels
    Up to $1,000
Get a quote

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

Your home insurance questions answered

P&N Bank offers three levels of building insurance to suit your needs. These are Accidental Damage, Listed Events and Fundamentals. 

Read the relevant Product Disclosure Statement for full details and cover information.

If you have a Building insurance policy your home is covered in the event of flooding. 

Policy terms, conditions, limits and exclusions apply. You can find out full details in the relevant Building Insurance PDS.

The items and events your home insurance policy covers does depend on the level of home insurance you purchase.

Home insurance may protect your building, or other buildings on your property, in the event of accidental damage, loss caused by fire or theft, and storm damage.

You can choose to include contents insurance in your policy to help protect your belongings - such as electronics, furniture, money, carpets, and jewellery.

Some home insurance policies also include liability cover. This means that if there is an insured incident that causes loss or damage to someone else’s property, or death or bodily injury to other people, your legal liability will be covered.

You can find out full cover details in Home Insurance PDS.

You'll receive your insurance policy renewal in the mail a few weeks before your policy is due to expire. Please make sure your contact details are up-to-date and advise us of any changes to your personal circumstances or the insured asset, as this may require changes to your policy.

If you're making monthly or quarterly direct debit payments on your policy, and are happy with your policy renewal information, you don't need to do anything. Your policy will automatically renew  at the new premium amount advised. If you pay annually, you'll need to arrange payment of the premium amount quoted.
 
If you would like to speak to someone about your policy renewal, or make changes to your policy,  please call us on 13 25 77 and one of the team will be happy to help.

Important information

*Underwriting criteria, policy terms, conditions, limits and exclusions apply. Please see the Product Disclosure Statement for full details.

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 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 Product Disclosure Statement and Target Market Determinations (TMDs).