Protect your home inside and out with combined Building and Contents Insurance.
Your buildings and items will be covered for a range of incidents. Plus, CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
And if you’re looking for the highest level of cover, choose Home Building & Contents Plus when you’re getting a quote.
Home Building and Contents Plus gives you:
A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.
Plus, 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Building and Contents Insurance Standard.
Plus, higher limits on some inclusions like food spoilage. Read the Product Disclosure Statement to see exactly what’s included.
Flood, storm & storm surge
Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami. 1
Temporary accommodation
If your home can't be lived in after a covered event, CGU pays for temporary accommodation. 2
Emergency repairs
If your home needs urgent repairs after an event CGU covers, CGU is available 24/7 to help keep you safe.
Liability for injury or damage
Cover for your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m). 3
Accidental damage
Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home. 4
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Motor burnout
Add cover for electric motor burnout 5 in fixtures (like air con) and appliances (like washing machines), including parts and labour.
Portable contents
Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home. 6
- Can I insure for more than your online building and 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 your home or contents for more than the cost to repair, replace, or rebuild, CGU will only pay the actual cost of repairing, replacing, or rebuilding.
- 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, or if you accidentally put your foot through the ceiling while in the roof. Whether your building, contents, or both are covered depends on your policy. Accidental damage cover can be added as an optional benefit to your Building Standard policy. If you upgrade to Building Plus, it’s automatically included.
- Can I Choose My Own Repairer for My Home Repairs?
Yes, you can choose who repairs your home. However, if you decide not to use one of CGU’s partner repairers, they won't be able to guarantee the workmanship or repairs that are completed, nor assist in managing the repairer regarding timeframes or quality. CGU will also only pay you the fair and reasonable amount that the repairs should cost.
Need Help?
Our friendly team can answer your questions and help find the right cover for you.
Call 08 8925 5901, Monday-Friday, 9:00am to 5:00pm.
Contacting CGU Claims
Our partner CGU is here for you anytime, any day. Call CGU's claims team 24 hours a day, 7 days a week on 13 24 80 to make a claim.
For more information on the claims process, visit CGU's claims website.
Contacting CGU Claims
CGU offers a lifetime guarantee on the workmanship of all authorised repairs, valid for as long as you own the car.
CGU offers a lifetime guarantee on the workmanship of authorised repairs to your home.
Payment Options
Pay fortnightly, monthly or quarterly at no extra cost.
Online Account
For policies purchased or renewed after 16/06/2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits. Simply log in to your account to see the available options.
For assistance, call CGU at 13 24 81.
For significant changes, like purchasing a new car, please call us directly at 08 8925 5901
What changes can I make to my policies using my online account?
The changes you can make to your policies using your online account depend on the specific policies you hold.
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. If you have Building Insurance with CGU Insurance, and you own and live in your home, CGU covers the costs for temporary accommodation that CGU agrees are reasonable and appropriate for you. Additional limits, exclusions and conditions apply.
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