Key benefits

Two levels of cover to suit your needs
Cover in the event of damage or loss caused by flood, fire, storm, lightning, earthquake and tsunami
Covers $20 million liability
Dedicated claims support 24/7
Emergency repairs and temporary accommodation up to 10% sum insured for up to 12 months if you are unable to live in your home as a result of an incident covered

Product overview

For most people their home is their biggest asset, not to mention all the valuable items inside. If you are a homeowner, protect your dream home and the things you love from the unexpected.

Our home insurance, provided by CGU, lets you pick and choose options that best suit you. You have the option to add optional valuables cover to make sure you're only paying for the cover you want.

Your cover could help you cover the cost to repair or rebuild your home or help replace your contents in the event of flood, storm, fire, theft and much more.

    Two flexible tiers of protection

    We have two flexible tiers of protection for your combined building and contents cover: Accidental Damage and Listed Events.
    Use our online building insurance and contents insurance calculators to help you estimate how much insurance you might need.

    Cover includes:

    Accidental damage

    Listed events


    Accidental damage or accidental loss


    Valuable items
    Jewellery, mobile phones, tablets, laptops, cameras & photography equipment, portable music players etc

    20% of sums insured or $7,500 whichever is greater

    (Up to $2,500 per item)

    20% of sums insured or $5,000 whichever is greater

    (Up to $2,500 per item)

    Optional additional valuables cover
    Worldwide cover for up to 90 consecutive days (with a reduced excess of $250)

    Contents at home in the open air

    Up to $2,000 for the events listed

    Burning out of electrical motors
    for motors up to 15 years old

    Frozen food
    Following breakdown of freezer

    Includes accidents

    Up to $500

    Vet expenses if your pet is injured in a road accident

    Up to $500

    Up to $500

    Flood cover (automatic)

    New-for-old replacement cover (contents)

    Alternative accommodation
    Paid in addition to the sum insured
    (Up to 10% sum insured)

    Removal of debris and demolishing costs
    Paid in addition to the sum insured
    (Up to 10% sum insured)

    Architects, surveyors and legal fees
    Paid in addition to the sums insured
    (Up to 10% sum insured)

    Credit card and transaction card misuse



    Replacing keys and recoding of locks and barrels

    No limit


    Fine art, paintings and works of art
    Up to $20,000 per item unless specified

    CDs, DVDs, Blu-Ray discs and software
    Up to $20,000 per item or boxed set


    Please refer to the relevant Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.


    Please refer to the relevant Key Facts Sheets for details of our Home Building and Home Contents policies.


    Policy terms, conditions, limitations and exclusions apply.

    Ready to get a quote?

    You can get a quote online today.

    What else do I need to consider?

    Guides and tips

    Need to make a home insurance claim?

    Make a claim online or call the dedicated 24-hour claims hotline on 13 24 80.

    Talk to us about your insurance needs today!