Compare Contents Insurance
With CGU Contents Insurance, you’re covered for a wide range of items – from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains. You’ve got three options for your Contents Insurance. With each, you’re guaranteed to love CGU’s attentive, quick service whenever you have questions or need to make a claim.
Enjoy ultimate peace of mind with CGU's highest level of cover for your contents. As well as cover for events like flood, fire and theft, Premium will cover you for almost any type of accidental loss or damage. What’s more, your contents are covered anywhere in Australia and NZ for up to 90 days at a time.
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 has you covered for floods, fires, break-ins and more. You’ll be pleasantly surprised at just how much cover you get!
Contents Insurance FAQs
What is Contents Insurance?
When you take out Contents Insurance, you’re taking out cover for the things inside your home – like whitegoods, art, electronic equipment, jewellery and furniture.
How much you’re covered for depends on a few things. You choose the sum insured for all your contents (we’re here to help if need be), and then you can choose from three levels of cover – Premium, Quality or Basic.
To really wrap your head around what’s covered with our Contents Insurance, you should take a look at each Product Disclosure Statement (PDS):
How much does Contents Insurance cost?
When we calculate your contents insurance premium, we look at a whole range of factors – from the amount of contents you are insuring, to whether you’ve got an alarm system or not.
The best way to answer this question is to complete a quick quote. You'll have an answer in less than five minutes.
What isn’t covered by Contents Insurance?
This depends on the type of policy you’ve taken out. Each of our Contents 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 and contents 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 Contents Insurance best for me?
If you’re not concerned about covering the building you live in – for example, you may be renting the home – then Contents Insurance is a great way to cover all your possessions in the event that they are damaged or stolen.
To understand what you’re covered for (e.g. flood, fire, break-ins, etc), please read these:
Understanding your Contents Insurance quote
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.
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.
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.
Level of security
If your home has a premium alarm system and plenty of locks and bolts, it’s less likely to get burgled, right? We consider this when calculating your premium.
How the house is built
Some building materials are more prone to damage or are more expensive to replace than others.
It’s the little things that make our Contents Insurance better
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 Statement
Before you decide which level of Buildings & Contents cover is right for you, we recommend you read the Product Disclosure Statement (PDS). In each PDS, you’ll learn everything you need to know about what’s covered and what’s not. Go on, make yourself a cuppa and have a read.Premium – Accidental Damage PDS
Quality – Listed Events PDS
Basic – Fundamentals PDS
Home Building Key Fact Sheet
Home Contents Key Fact Sheet
Whenever you need us, we’re right here
CGU Flood Cover
CGU includes automatic 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.Visit the Claims hub