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 Fundamentals PDS
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 |
Up to 10% of sum insured |
Up to 10% of sum insured |
Up to 10% of sum insured |
|
Burning out of an electric motor |
yes |
yes |
N/A |
|
CDs, DVDs, BluRay® discs and software |
yes |
yes |
yes |
|
Contents at home in the open air |
yes |
Up to $2,000 for |
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 |
yes |
yes |
yes |
|
Flood Cover (Automatic) |
yes |
yes |
yes |
|
Frozen food |
yes |
up to $500 |
N/A |
|
New-for-old replacement cover (Contents) |
yes |
yes |
yes |
|
Removal of debris and demolishing costs |
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 |
20% of sum insured or $7,500 whichever is greater |
20% of sum insured or $5,000 whichever is greater |
$2,000 in total (Up to $1,000 per item) |
|
Optional additional valuables cover |
$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.
