Insurance

We understand that insuring your most precious assets is important, but you need cover that’s flexible, good value and easy to understand. 

Home Insurance

Home Insurance


Your home and everything you value ought to have proper protection. If the worst should ever happen, it’s nice to know that your home and possessions will be replaced. From kitchen appliances to furniture and the house itself, it all adds up.

27/7 claims

hotline

Cover for

burglary

Cover for

storms and floods

Overview


The key features of each of our Home Insurance policies are:

Accidental Damage

  • Cover for your contents at home or away from home
  • Cover for accidental loss and damage
  • Cover for a range of listed events 
  • Additional cover for rebuilding and alternative accommodation
  • Automatic flood cover
  • New-for-old  contents replacement cover 
Download the Accidental Damage PDS

Listed Events

  • Automatic flood cover
  • Cover for a range of listed events 
  • Additional cover for rebuilding and alternative accommodation
  • New-for-old  contents replacement cover 
Download the Listed Events PDS

Fundamentals

  • Automatic flood cover
  • Cover for a range of standard events 
  • New-for-old  contents replacement cover 
Download the Home Fundementals PDS
To request a quote or to apply for Home Insurance, go online, call us on
1300 13 23 28, or visit your nearest branch.

Compare

 

Features

Accidental Damage

Listed Events

Fundamentals
Accidental damage or accidental loss yes N/A N/A
Alternate accommodation
Paid in addition to the sum insured
Up to 10% of sum insured Up to 10% of sum insured Up to 10% of sum insured

Architects, surveyors and legal fees
Paid in addition to the sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Burning out of an electric motor
for motors up to 15 years old

yes

yes

N/A

CDs, DVDs, BluRay® discs and software
Up to $20,000 per item or boxed set unless specified

yes

yes

yes

Contents at home in the open air

yes

Up to $2,000 for
the events listed

Up to $1,000 for
the events listed

Credit card and transaction card misuse

$5,000

$5,000

$1,000

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

yes

yes

yes

Flood Cover (Automatic)

yes

yes

yes

Frozen food
following breakdown of freezer

yes

up to $500

N/A

New-for-old replacement cover (Contents)

yes

yes

yes

Removal of debris and demolishing costs
Paid in addition to the sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Up to 10% of sum insured

Replacing keys and repairs to and recoding of locks and barrels

No limit

Up to $1000

Up to $1000

Valuable items
Jewellery, mobile phones, tablet computers, notebook computers, cameras & photographic equipment, portable music players, etc.

20% of sum insured or $7,500 whichever is greater
(Up to $2,500 per item)

20% of sum insured or $5,000 whichever is greater
(Up to $2,500 per item)

$2,000 in total
(Up to $1,000 per item)

Optional additional valuables cover
Worldwide cover for up to 90 consecutive days

$250

$250

$250

Vet expenses if your pet is injured in a road accident

Up to $500

Up to $500

N/A


This table is a summary of highlighted features and benefits only. Please refer to the CGU Accidental Damage Home Insurance, CGU Listed Events Home Insurance and CGU Fundamentals Home Insurance Product Disclosure Statements (PDS) and Policies for full terms and conditions.

Questions

 

Here are the top 5 questions we get asked about our Home Insurance policies. Have a different question? Call us on 1300 13 23 28 to speak to an insurance consultant.
    

Is there a discount for DHOAS Home Loans?
Yes, if you have a DHOAS Home Loan and take out a Home Insurance Policy, you will receive a 10% discount off your premium.


If I’m unable to live in my home due to damage, am I covered for accommodation costs?
Yes, you can be covered for a period of 12 months or 10% of the building sum insured. 
 

Can I reduce my premiums if my house is well secured?
Yes. The more secure your property is – through deadlocks, window locks, and either local or monitored alarms – the less you may have to pay. 
 

Can I choose my own excess?
Yes. Your excess is the initial amount you have to pay yourself if you make a claim, and we offer options of nil excess, $250, $500, $600, $700, $750, $800, $900, $1,000, $2,500, $5,000, $7,500, $10,000  The higher the excess you choose, the lower the premium you’ll pay.

Features
24/7 claims
Quote online
Multi policy discount
No claim bonus discount

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