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Building Insurance

Compare Building Insurance

Your CGU Building Insurance covers the home you live in, plus any other buildings on your property – like sheds and garages. You’ve got three options for your Building Insurance. With each, you’re guaranteed to love CGU’s attentive, quick service whenever you have questions or need to make a claim.

Premium cover

Accidental damage

Enjoy ultimate peace of mind with CGU's highest level of cover for your home. As well as cover for events like flood, fire and damage from break-ins, Premium will cover you for almost any type of accidental damage.

Quality cover

Listed events

Get exceptional value for money with Quality cover, and know that you’re covered for a very wide range of natural disasters, weather events, break-ins and more.

Basic cover


Basic has you covered for floods, fires, break-ins and more. You’ll be pleasantly surprised at just how much cover you get!

Terms and conditions apply to all cover types so please review the PDS for full terms and conditions.

Looking for home insurance in SA, WA or the NT?

Our home insurance is now only available through our partners in South Australia, Western Australia and the Northern Territory. If you would prefer to get your insurance direct from an insurer, you can visit NRMA Insurance to see their home insurance policies and get a quote.

If you already have a policy with us, we'll contact you if there are any changes to it in the future.

Go to NRMA Insurance

NRMA home insurance in SA, WA and NT is issued by Insurance Australia Limited, ABN 11 000 016 722 trading as NRMA Insurance. To see if this product is right for you, always consider the Product Disclosure Statement and Target Market Determination available from

Do you know how much it would cost to rebuild your home and replace your items?

Use our building and contents calculators to get an estimate1.

Home building calculator
Home contents calculator

Building Insurance FAQs

  • What is Building Insurance?

    When you take out Building Insurance, you’re taking out cover for both the home you own, including your garage, shed and other structures on your property.

    How much you’re covered for depends on a few things. You choose the sum insured (we’re here to help), and then you can choose from three levels of cover – Premium – Accidental Damage Cover, Quality – Listed Events or Basic – Fundamentals.

    To really wrap your head around what’s covered with our Buildings Insurance, you should take a look at each Product Disclosure Statement (PDS):

  • How much does Building Insurance cost?

    Homes come in all shapes and sizes, right? This can determine the amount of insurance you pay; Home insurance for a large house in a suburb known for break-ins will cost more than a cottage in a quiet town.

    When we calculate your home insurance premium, we look at a whole range of factors – from the materials used to build your home to its location.

    The best way to answer this question is to complete a quick quote.

  • What isn't covered by Building Insurance?

    This depends on the type of policy you’ve taken out. Each of our Buildings Insurance policies comes with a Product Disclosure Statement (PDS), which lists out all the exclusions to your cover.

    In short, you’re not covered for any foreseeable event or for general wear and tear (for example, your home deteriorating over time due to age).

    We encourage you to read your PDS to see the full list of what is and isn’t covered:

  • Is Building Insurance best for me?

    If you are not concerned about covering the contents of your home – which includes things like carpet and curtains, as well as valuable items like jewellery and electronic equipment – then Building Insurance is the way to go. With Building Insurance, we’ll only pay for the cost of fixing the actual house if it’s damaged – not the stuff inside.

    Say, for example, your home is flooded. Not only do you need to repair or replace some of the walls (part of the building) but you will also need to repair or replace carpets, furniture and valuable items (all considered contents).

    Please read through these Product Disclosure Statements (PDS) to get a better idea of whether Building Insurance is right for you:

Understanding your Building Insurance quote

Amount insured

Whether you’re insuring your building, your contents or both, the higher the sum you choose to insure then the higher your premium will be.

Your excess

The higher your excess (which is the amount you pay when you make a claim), the lower your premium will be. This is entirely up to you.

How the house is built

Some building materials are more prone to damage or are more expensive to replace than others.

Your location

Some areas are more prone to burglary or damage than others. CGU calculates the probability of an event occurring in your area and applies it to your premium.

It's the little things that make our Building Insurance better

  • Trusted network of repairers

    If you need to make emergency repairs to your home, trust CGU to get the job done. Our reliable network of repairers will fix it, fast.

  • Putting a temporary roof over your head

    Has your roof been blown away? If a storm or other event makes your home unliveable, we’ll pay for another place to live for up to 12 months.

  • Great claims service

    We go out of our way to make the claims process hassle-free, and we pay valid claims as quickly as we can. After all, you’ve got other things to worry about.

  • We offer pay by the month at no extra cost

    Prefer paying your home insurance in monthly instalments? Set up direct debit with us and pay for your home insurance by the month with no additional cost.

Need help choosing the right insurance?

We’re here to help you work out which home insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.

Product Disclosure Statements

Before you decide on the cover that’s right for you, read the Product Disclosure Statement (PDS) and Target Market Determinations. In the PDS you’ll learn everything you need to know about what’s covered and what’s not.

Whenever you need us, we're right here

  • Making sure you're OK

    If your home is badly damaged and you find yourself without anywhere to live, we’ll look after you with temporary accommodation for up to 12 months.

  • How to claim

    Step 1. Call 13 24 80 with your policy number and any details you have (like where the incident happened and if anyone else was involved).

    Step 2. We’ll assign one of our consultants to your claim and give you a claim reference number.

CGU Flood Cover

CGU includes flood cover as a policy feature on Home and Landlords insurance. This ensures that all customers are covered for damage caused by water giving you peace of mind when water damage occurs. With an increase in recent years of severe weather events it protects our customers and enables CGU to offer quick flood claim resolutions.

CGU Flood Cover additional information

Need to make an insurance claim?

Step 1. Call 13 24 80 with your policy number and any other information about the incident handy.

Step 2. We’ll kick off the claims process, and keep you informed every step of the way.

View the Claims hub

Get a Building Insurance quote today

Get a quick quote

Things you should know

1 Building and contents calculators are provided by CoreLogic and should only be used as a guide. These calculators' estimates may be different than estimates you get during your quote. We do not guarantee the accuracy or currency of the estimates.