Home Contents Insurance
Get cover for items in your home

Home Contents Plus gives you: 

Gives you 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Contents Insurance Standard.

Plus, motor burnout and accidental damage automatically included.

Plus, higher limits on some inclusions, like food spoilage and landscaping. Read the Product Disclosure Statement to see exactly what’s included.

Can I insure for more than your online contents calculator says?

Yes, you can. The calculation provided is just a guide. It's your responsibility to ensure your home is insured for its full replacement value. However, if you insure contents for more than the cost to repair or replace, CGU will only pay the actual cost of repairing or replacing.

What is Accidental Damage Cover in My Home Insurance Policy?

Accidental damage cover protects you when unexpected mishaps occur around your home. For instance, it would cover you if your child accidentally knocked over the TV and broke the screen. Whether your contents are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Contents Standard policy. If you upgrade to Contents Plus, it’s automatically included.

Understanding the Difference Between General, Valuable, and Portable Contents.

General Contents: These are items you keep in and around your home that aren't permanently attached to the structure, like furniture. Valuable Contents: These are part of your general contents but have a coverage limit of $2,500 in total for all items in the following categories: Works of art, Collections, Jewellery and watches. You can insure items in these categories for higher amounts by opting for Valuable contents as an additional benefit. Portable Contents: These are items that you or your family can take outside of your home. Coverage for these items is only available if you choose Portable contents as an optional benefit.

I'm placing some contents items in storage, how do I ensure that my items are covered?

General contents held in storage can be covered under Home Insurance policy if you inform CGU before moving your items into storage and if CGU's acceptance criteria are met. Refer to the Product Disclosure Statement for information on items not covered while in storage. Please note that Valuable Contents are not covered while in storage.

What you need to know:

1 CGU don’t cover actions of the sea, such as tides and waves.

2 If you have Contents Insurance, and you're renting the home (a tenant), CGU pays the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme),CGU cover the reasonable costs of temporary accommodation.

3 CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.

3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).

4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.

5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

6 Portable items are covered for loss, theft and accidental damage. Cover is up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. CGU don’t cover scratches and dents or items being cleaned or repaired. CGU doesn’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU doesn’t cover bicycles while they’re being used in a competitive race or time trial.

Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

This insurance product is distributed by Automobile Association of Northern Territory Inc ABN 13 431 478 529, an authorised representative of the issuer Insurance Australia Limited ABN 11 000 016 722 under the CGU Brand. Any advice provided 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 a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from aant.com.au