A bank you can trust for home and contents insurance? That's unexpected.
Get a quick quote today
Home insurance with a great range of cover
New for old replacement
If your furniture or electronics are damaged, we’ll replace them with brand new equivalents.
Emergency repairs
If your house is uninhabitable we’ll help make sure your repairs are completed quickly.
Temporary accommodation
We’ll arrange temporary accommodation for up to 12 months if your home suffers loss or damage and is unliveable.
Compare your home insurance options
Buildings cover
Covering both the dwelling you live in, plus any other buildings on your property - like sheds and garages.
-
Residential building protection
-
Protection for domestic outbuildings
-
Infrastructure for services
-
Swimming pools and spas
-
Money
-
Jewellery
-
Computer and software
-
Furniture
Building & Contents
Our combined Buildings & Contents Insurance is our most popular type of home insurance, giving you cover for both your home and the many things inside it.
-
Residential building protection
-
Protection for domestic outbuildings
-
Infrastructure for services
-
Swimming pools and spas
-
Money
-
Jewellery
-
Computer and software
-
Furniture
Contents cover
Cover for a wide range of items - from furniture to jewellery to TVs and laptops. It even covers your carpet and curtains.
-
Residential building protection
-
Protection for domestic outbuildings
-
Infrastructure for services
-
Swimming pools and spas
-
Money
-
Jewellery
-
Computer and software
-
Furniture
Cover levels to suit your needs
Gold cover
Gold cover - ultimate peace of mind
It’s truly comprehensive because it protects both your home and/or contents from theft, fire, flood, accidents, storms and much more. There’s comfort in knowing that if any emergency strikes, you’ve got the best cover.
Accidental damage or accidental loss
Your building and/or contents are protected for almost any type of accidental loss or damage.
Highest available cover for valuables
Cover for art, valuable collections, jewellery, electronics, software, tablets, phones, camera, computers.
Away from home cover
Your contents are covered away from your home, anywhere in
Australia and New Zealand, up to 90 consecutive days.
Alternative accommodation
If you’re unable to live in your home after an accident, we will cover the costs of alternative accommodation for up to 12 months.
New for old replacement
We’ll replace your furniture, carpets, blinds, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.
Credit card theft
If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000.
Read our Gold Cover PDS for the full breakdown of this cover option
Silver cover
Silver cover - high-value, mid-range protection
A great option for the typical Australian household. Your home and/or contents are protected in case of fire, lightning, earthquake, malicious damage or burglary, cyclone and storm.
Property damage and demolition
We will cover the repairs, or rebuilding costs, to damage of your home caused by a variety of incidents including theft, fire and flood.
Fantastic cover for valuables and content
We’ll cover everything from furniture, jewellery and artwork. We’ll even cover items belonging to guests staying with you.
Weather damage cover
Your buildings and/or contents are covered for loss or damage as a result of storm, flood, rainwater or wind.
Burglary and theft cover
If you’ve suffered a break in, and your possessions are stolen and/or your property is damaged, you’re covered.
New for old replacement cover for contents
We’ll replace your furniture, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.
Credit card theft
If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000
Read our Silver Cover PDS for the full breakdown of this cover option
Bronze cover
Bronze cover - basic protection
You’ll still have the basic elements of your home and contents covered, but you’ll save on premiums.
Budget cover to save you money
Even if you’re on a budget, you don’t need to risk living without insurance.
Burglary cover
If a burglar has forcibly entered your home and loss or damage to your building and/or contents occurs, you’re covered for replacement of contents and/or building repairs
Weather damage cover
We’ll cover your buildings and contents for loss and/or damage as a result of storm, flood, rainwater or wind.
Include your bicycle
We’ll replace your bike if it’s damaged or stolen, for up to $20,000 unless specified.
Alternative accommodation
If your home suffers loss or damage and you are unable to live in it, we will cover the costs of alternative accommodation for up to 12 months.
Accidental breakage
Your buildings and contents are covered for loss and/or damage when an item is chipped or fractured through its entire thickness, such as accidental breakage to fixed glass in your building or mirrors in your home.
Read our Bronze Cover PDS for the full breakdown of this cover option
Calculators and tools
FAQs
Learn more about home, building and contents insurance with our quick FAQs.
Do I have to pay an excess?
Your quote for home insurance will clearly specify if there is any excess on your policy and, if so, how it will be calculated and paid.
Am I covered for flood?
Yes you are automatically covered in case of flood, regardless of which policy you choose. Your policy will specify the level of your cover and your entitlements in case your home is damaged by flood.
What is not covered with home insurance?
Exclusions vary depending on the policy you choose, so it’s important to read the Product Disclosure Statement provided with your quotation to find out which exclusions may be applicable to your policy.
How do you determine my home insurance premiums?
Factors used to assess the value of your home insurance premiums include the location, condition, size, features and quality of the property. Your Product Disclosure Statement will provide more information.
I'm buying a home. At what point should I insure it?
It’s a good idea to speak with us before you make any payments on purchasing a new home. That way we can be ready to give you a cover note to protect your home purchase after you’ve paid the deposit.
Great reasons to choose us
When an accident happens, you can turn to our friendly team for help and support during your claim.
With a 24 hour claims service, you can lodge a claim day or night
Your claims process is simple and easy and your claim is sorted as quickly as possible.
Millions of Australians trust us every day to manage their banking
One of Australia's most trusted brands#
$250 million reinvested back into local communities
Additional information
1 Money cover: Bronze limit is $500, Silver $750 and Gold $1,250
2 Jewellery cover: Bronze $2,000 policy limit, $1,000 item limit; Silver 20% of contents sum insured or $5,000 whichever is higher(policy limit), $2,500 item limit; Gold 20% of contents sum insured or $7,500 whichever is higher(policy limit), $2,500 item limit
# Source: Roy Morgan Risk Monitor 2020
Insurance issued by Insurance Australia Limited Pty Ltd ABN 11 000 016 722 trading as CGU Insurance. Bendigo and Adelaide Bank Ltd ABN 11 068 049 178 acts under its own Australian Credit Licence AFSL 237879 and under an agreement with the issuer. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) to see if the product is right for you.
