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Compare Home Insurance

All policies are different. CGU offers a range of products to protect your home and contents - from basic to premium, we've got you covered.

It's important to compare

Comparing policies is an important part of finding the right insurance, however the premium you pay is not the only thing that will differ between products and insurers. The level of cover, excesses, options, exclusions and item limits are just a few points to consider.

Below you'll find a summary of our key home insurance features and how cover differs across our three home insurance products. A full list of the features and their conditions can be found in the Product Disclosure Statement (PDS) for each product.

Key features of CGU Home insurance

Features Accidental Damage Listed Events Fundamentals
Accidental damage or accidental loss   - -
Alternate accommodation
Paid in addition to the sum insured
 
up to 10% of sum
 
up to 10% of sum
 
up to 10% of sum
Architects, surveyors and legal fees
Paid in addition to the sum insured
 
up to 10% of sum
 
up to 10% of sum
 
up to 10% of sum
Burning out of an electric motor
for motors up to 15 years old
    -
CDs, DVDs, Blu-ray® discs, and digital downloads
Up to $20,000 per item or boxed set unless specified by you
     
Contents at home in the open air    
up to $2,000 for the events listed
 
up to $1,000 for the events listed
Credit card and transaction card misuse  
up to $5,000
 
up to $5,000
 
up to $1,000
Fine art, paintings and works of art
Up to $20,000 per item unless specified
     
Flood cover (automatic)      
Frozen food
following breakdown of freezer
 
includes accidents
 
up to $500
-
New-for-old replacement cover (Contents)      
Removal of debris and demolishing costs
Paid in addition to the sum insured
 
up to 10% of sum
 
up to 10% of sum
 
up to 10% of sum
Replacing keys and recoding of locks and barrels  
no limit
 
up to $1,000
 
up to $1,000
Valuable items
Jewellery, mobile phones, tablet computers, notebook computers, cameras & photographic equipment, portable music players, etc.
 
20% of contents sum insured or $7,500 whichever is greater (up to $2,500 per item)
 
20% of contents sum insured or $5,000 whichever is greater (up to $2,500 per item)
 
$2,000 in total (up to $1,000 per item)
Optional additional valuables cover
Worldwide cover for up to 90 consecutive days
 
nil excess
 
nil excess
-
Vet expenses if your pet is injured in a road accident  
up to $500
 
up to $500
-
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This table is a summary of significant features and benefits only. Please refer to the CGU Accidental Damage Home Insurance, CGU Listed Events Home Insurance and CGU Fundamentals Home Insurance Product Disclosure Statements (PDS) and Policies for full terms and conditions.

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Get a home insurance quote online and compare the cost of protection for each of our products

Have a question about our home insurance policies?

Submit your enquiry online or call us on 13 24 81 during business hours.