Protect your home
Home insurance can help cover your home and belongings for loss and damage.
Building and Contents
Protect your home inside and out with combined Building and Contents Insurance.
Contents
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Building and contents insurance
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 Building & Contents Plus when you’re getting a quote.
Includes:
Theft & vandalism. Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
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
Rebuilding your home. CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
Fire. Cover for loss and damage to your home and items caused by fire (including bushfire).
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.
Visitors' belongings. Cover for your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).
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
Optional cover
- Accidental damage. Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home4.
- Valuable contents. Increase your cover for some items in your home like art, jewellery and collectables.
- Motor burnout. Add cover for electric motor burnout5 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 home6.
- Choose Building and Contents Plus when you’re getting a quote.
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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 and landscaping. Read the Product Disclosure Statement to see exactly what’s included.
Building insurance
Protect your home with Building Insurance.
If your home is damaged or destroyed by a covered incident, CGU will cover the cost to repair or rebuild it, up to the sum insured.
Additionally, if you can't live in your home due to damage from a covered incident, CGU help cover the costs of temporary accommodation for up to a year.
For more comprehensive coverage, consider choosing Building Plus when you get a quote.
And if you’re looking for the highest level of cover, choose Building & Contents Plus when you’re getting a quote.
Includes:
Theft & vandalism. Cover damage to your home from robbery and vandalism, including stolen keys.
Flood, storm & storm surge. Cover for damage to your home caused by flood, rainwater run-off, storm, storm surge and tsunami.1
Rebuilding your home. CGU pays to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.
Fire. Cover for loss and damage to your home caused by fire (including bushfire).
Temporary accommodation. If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
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
Optional cover
- Accidental damage. Add cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture.
- Motor burnout. Add cover for electric motor burnout in fixtures and permanently fixed appliances like air con and dishwashers, including parts and labour4.
- Choose Building Plus when you’re getting a quote.
-
Building 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 landscaping.
Read the Product Disclosure Statement to see exactly what’s included.
Contents insurance
Get cover for items in your home, even if you accidentally leave a window or door unlocked.
Additionally, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you're out and about
For premium contents cover, choose Contents Plus when you're getting a quote.
Includes:
Theft & vandalism. Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
Flood, storm & storm surge. Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge and tsunami.1
Fire. Cover for loss and damage to your items caused by fire (including bushfire).
Temporary accommodation. If your home can't be lived in after a covered event, CGU pays for temporary accommodation.2
No excess for food spoilage. If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine.3
Optional cover
- Accidental damage. Add cover for damage to your items from unintentional mishaps in your home4.
- Valuable contents. Increase your cover for some items in your home like art, jewellery and collectables.
- Motor burnout. Add cover for electric motor burnout5 in 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 home6.
- Choose Contents Plus when you’re getting a quote.
-
Contents Plus 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.
Here for you 24/7
Unfortunate events are often also unexpected. That’s why you can call 13 24 80 at any time to make a claim.
Make a claim: 13 24 80
Still have questions?
Need to chat with a human? Call us on 13 22 94 between 8am and 8pm.
Call us: 13 22 94What you need to know
Teachers Federation Health Limited ABN 86 097 030 414 (TFHL) is authorised to deal in general insurance products on behalf of the insurer, Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand (CGU). If you take out an insurance product on or before 28 June 2025 with CGU, it will pay TFHL a commission of up to 15% of the premium (exclusive of government charges). The commission will also be paid on any variations to your policy and on renewal. The commissions paid to TFHL are included as part of your premium. If you take out an insurance policy on or after 29 June 2025 TFHL receives no commission. When making decisions about insurance, consider the relevant Product Disclosure Statement and Target Market Determinations. If you have a complaint, you can contact 132 294 or visit the CGU website for information about our complaint resolution process.
Brochures
| 1CGU don’t cover actions of the sea, such as tides and waves. 2If 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. 3Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance). 4CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use. 5CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business. 6Portable 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. The information on this website 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 and Target Market Determinations. |
| 1CGU don’t cover actions of the sea, such as tides and waves. 2If 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. 3Cover applies if the incident happens at your home (under Building insurance). 4CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business. Excesses may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. The information on this website 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 and Target Market Determinations. |
| 1CGU don’t cover actions of the sea, such as tides and waves. 2If 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. 3CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus. 3Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance). 4CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use. 5CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business. 6Portable 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. The information on this website 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 and Target Market Determinations. |