Home Insurance

We offer a range of Home Insurance policies through CGU who has 160 years of experience insuring Australians!

You can rest easy knowing the home you worked hard for is covered by an insurer with 160 years experience. CGU, our partner in Home Insurance provides cover for your home, contents, or both under the same policy.

There are three levels of cover you can choose from to suit you:

Accidental Damage (high level cover)

This covers everything that Listed Events does, plus cover for accidental loss or damage to your contents anywhere in Australia, with even higher cover limits for valuables.

Listed Events (standard level cover)

This covers everything that Fundamentals does, with additional cover and benefits, and higher cover limits for many valuables and scenarios.

Fundamentals (basic level cover)

This covers your building and contents against loss and damage at a budget-conscious price.

Product Details

Features Accidental damage or accidental loss Alternate accommodation (paid in addition to sum insured) Architects, surveyors and legal fees (paid in addition to the sum insured) Burning out an electric motor (for motors up to 15 years old) CDs, DVDs, Blu-Ray disks and digital downloads (up to $20,000 per item or boxed set unless specified by you) Contents at home in the open air Credit card and transactions card misuse Fine art, paintings and works of art (up to $20,000 per item unless specified) Floor cover (automatic) Frozen food (following breakdown of freezer) New for old replace cover (contents) Removal of debris and demolishing costs (paid in addition to the sum insured) Replacing keys and recoding of locks and barrels Valuable items , jewellery, mobile phones, tablet computers, notebook computers, cameras, photographic equipment, portable music players etc Optional additional valuables cover (worldwide cover for up to 90 consecutive days) Vet expenses if your pet is injured in a road accident Accidental Damage Yes Yes - up to 10% of sum insured Yes - up to 10% of building sum insured Yes Yes Yes Yes - up to $5,000 Yes Yes Yes - includes accidents Yes Yes - up to 10% of sum insured Yes - no limit Yes - 20% of contents sum insured or $7,500 whichever is greater (up to $2,500 per item) Yes - nil excess Yes - up to $500 Fundamentals No Up to 10% of sum insured Up to 10% of building sum insured No Yes Yes - up to $1,000 for the events listed Yes - up to $1,000 Yes Yes No Yes Yes - up to 10% of sum insured Yes - up to $1,000 Yes - $2,000 in total (up to $1,000 per item) No No Listed Events No Yes - up to 10% of sum insured Yes - up to 10% of building sum insured Yes Yes Yes - up to $2,000 for the events listed Yes - up to $5,000 Yes Yes Yes - up to $500 Yes Yes - up to 10% of sum insured Yes - up to $1,000 20% of contents sum insured or $5,000 whichever is greater (up to $2,500 per item) Nil excess Yes - up to $500

Disclaimer

This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance, CGU Listed Events Home InsuranceCGU Fundamentals Home Insurance Product Disclosure Statements (PDS) and Policies, Contents Key Fact Sheet and Building Key Fact Sheet for full terms and conditions. General insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Any advice 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 the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website. Regional Australia Bank acts as an intermediary of CGU.