Home insurance with a great range of cover

New for old replacement

If your furniture or electronics are damaged, we’ll replace them with brand new equivalents.

Emergency repairs

If your house is uninhabitable we’ll help make sure your repairs are completed quickly.

Temporary accommodation

We’ll arrange temporary accommodation for up to 12 months if your home suffers loss or damage and is unliveable.

See our options below

Protect your building and contents

Buildings Cover

Protection for the structure and buildings of your home, not the contents inside.

  • Residential building protection
  • Garages and sheds
  • Infrastructure: supply of electricity, gas, water, internet and phone
  • In-built swimming pools and spas
  • Money1
  • Jewellery2
  • Furniture
  • Computers and software

Contents Cover

Cover for everything you own - furniture, jewellery, appliances, TVs, laptops and more.

  • Money1
  • Jewellery2
  • Furniture
  • Computers and software
  • Residential building protection
  • Garages and sheds
  • Infrastructure: supply of electricity, gas, water, internet and phone
  • In-built swimming pools and spas

Cover levels to suit your needs

Gold cover - ultimate peace of mind

It’s truly comprehensive because it protects both your home and contents from theft, fire, flood, accidents, storms and much more. There’s comfort in knowing that if any emergency strikes, you’ve got the best cover.

Key features

  • Accidental damage or accidental loss

    Your building and contents are protected for almost any type of accidental loss or damage.

  • Highest available cover for valuables

    Cover for art, valuable collections, jewellery, electronics, software, tablets, phones, camera, computers.

  • New for old replacement

    We’ll replace your furniture, carpets, blinds, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.

  • Alternative accommodation

    If you’re unable to live in your home after an accident, we will cover the costs of alternative accommodation for up to 12 months.

  • Weather damage

    We will cover your buildings or contents for loss or damage from storm, flood, rainwater or wind.

  • Credit card theft

    If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000.

Silver cover - high-value, mid-range protection

A great option for the typical Australian household. Your home and contents are protected in case of fire, lightning, earthquake, malicious damage or burglary, cyclone and storm.

Key features

  • Property damage and demolition

    We will cover the repairs, or rebuilding costs, to damage of your home caused by a variety of incidents including theft, fire and flood.

  • Fantastic cover for valuables and contents

    We’ll cover everything from furniture, jewellery and artwork. We’ll even cover items belonging to guests staying with you.

  • New for old replacement cover for contents

    We’ll replace your furniture, electronics and other possessions with brand new equivalents if they’re damaged beyond repair.

  • Burglary and theft cover

    If you’ve suffered a break in, and your possessions are stolen and your property is damaged, you’re covered.

  • Weather damage cover

    Your buildings and contents are covered for loss or damage as a result of storm, flood, rainwater or wind.

  • Credit card theft

    If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000

Bronze cover - basic protection

You’ll still have the basic elements of your home and contents covered, but you’ll save on premiums.

Key features

  • Budget cover to save you money

    Even if you’re on a budget, you don’t need to risk living without insurance.

  • Burglary cover

    If a burglar has forcibly or violently entered your home and loss or damage to your building or contents occurs, you’re covered for replacement of contents and building repairs

  • Weather damage cover

    We’ll cover your buildings and contents for loss or damage as a result of storm, flood, rainwater or wind.

  • Include your bicycle

    We’ll replace your bike if it’s damaged or stolen, for up to $20,000 unless specified.

  • Alternative accommodation

    If your home suffers loss or damage and you are unable to live in it, we will cover the costs of alternative accommodation for up to 12 months.

  • Accidental breakage

    Your buildings and contents are covered for loss or damage when an item is chipped or fractured through its entire thickness, such as accidental breakage to fixed glass in your building or mirrors in your home.

Over 50s life rewards

You’ve earned a few rewards. This special insurance is created exclusively for over 50s and is only available from your local Bendigo Bank branch or by calling us on 1300 557 155.

Key features

  • Fractured bone cover benefit

    If you suffer a fracture in an accident, you will be covered for treatment for your broken bones, up to $1,000

  • Increased limit for refrigerated food or medicine

    If your fridge or freezer breaks down, you’ll get up to $1,000 to cover replacement food. This includes medication kept in the fridge.

  • Increased limit for guests’ belongings

    You’re covered if guests come to stay and their belongings suffer loss or damage.

  • Increased limit for trees and plants

    Your building insurance covers the cost to replace trees, plants or shrubs that are stolen, burnt, maliciously damaged or damaged by a vehicle - up to $1500.

  • Weather damage

    We will cover your buildings or contents for loss or damage from storm, flood, rainwater or wind.

  • Credit card theft

    If your credit cards or card details are stolen and misused, we’ll provide cover for up to $5,000.

FAQs

Learn more about home, building and contents insurance with our quick FAQs.

Do I have to pay an excess?

Your quote for home insurance will clearly specify if there is any excess on your policy and, if so, how it will be calculated and paid.

Am I covered for flood?

Yes you are automatically covered in case of flood, regardless of which policy you choose. Your policy will specify the level of your cover and your entitlements in case your home is damaged by flood.

What is not covered with home insurance?

Exclusions vary depending on the policy you choose, so it’s important to read the Product Disclosure Statement provided with your quotation to find out which exclusions may be applicable to your policy.

How do you determine my home insurance premiums?

Factors used to assess the value of your home insurance premiums include the location, condition, size, features and quality of the property. Your Product Disclosure Statement will provide more information.

I’m buying a home. At what point should I insure it?

It’s a good idea to speak with us before you make any payments on purchasing a new home. That way we can be ready to give you a cover note to protect your home purchase after you’ve paid the deposit.

Great reasons to choose us

  • When an accident happens, you can turn to our friendly team for help and support during your claim.
  • With a 24 hour claims lodgement service, you can make a claim any time of day or night.
  • Your claims process is simple and easy and your claim is sorted as quickly as possible.
  • Millions of Australians trust us every day to manage their banking, business, wealth, loans and insurance.
  • Australia's most highly trusted bank#.
  • Community Bank® - $183 million reinvested back into local communities.

Additional information

1 Money cover: Bronze limit is $500, Silver $750 and Gold $1,250

2 Jewellery cover: Bronze $2,000 policy limit, $1,000 item limit; Silver 20% of contents sum insured or $5,000 whichever is higher(policy limit), $2,500 item limit; Gold 20% of contents sum insured or $7,500 whichever is higher(policy limit), $2,500 item limit

# Mozo People’s Choice Awards 2017

^ Roy Morgan Customer Satisfaction Results May 2017.

This product is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Please consider your situation and read the Product Disclosure Statement and consider it before making a decision.