Key benefits

Two levels of cover to suit your needs
Cover in the event of damage or loss caused by flood, fire, storm, lightning, earthquake and tsunami
Covers $20 million liability
Dedicated claims support 24/7
Emergency repairs and temporary accommodation up to 10% sum insured for up to 12 months if you are unable to live in your home as a result of an incident covered

Product overview

Our home insurance, provided by CGU, lets you pick and choose options that best suit you. Your cover could help you cover the cost to repair or rebuild your home in the event of flood, storm, fire, theft and much more.

    Two flexible tiers of protection

    We have two flexible tiers of protection for your building cover: Accidental Damage and Listed Events. Use our online building insurance calculator to help you estimate how much insurance you might need.

    Cover includes:

     


    Accidental damage

    Listed events

     

    Accidental damage or accidental loss

    X

    Burning out of electrical motors
    for motors up to 15 years old

    Trees, plants and shrubs replacement

    Up to $1,500

    Up to $1,500

    Flood cover (automatic)

    Alternative accommodation
    Paid in addition to the sum insured
    (Up to 10% sum insured)

    Removal of debris and demolishing costs
    Paid in addition to the sum insured
    (Up to 10% sum insured)

    Architects, surveyors and legal fees
    Paid in addition to the sums insured

    (Up to 10% sum insured)

    Replacing keys and recoding of locks and barrels

    No limit

    Up to $1,000

    Liability cover
    Up to $20 million

    Storm damage to wooden gates, fences, etc.
    For fences, gates, etc. up to 15 years old

     

     

    Please refer to the relevant Insurance Product Disclosure Statement for full details of cover limits and terms and conditions.

    Please refer to the relevant Key Facts Sheets for details of our Home Building and Home Contents policies.

     

    Policy terms, conditions, limitations and exclusions apply.

    Ready to get a quote?

    You can get a quote online today.

    Guides and tips

    Need to make a home insurance claim?

    Make a claim online or call the dedicated 24-hour claims hotline on 13 24 80.

    Talk to us about your insurance needs today!

    Important to know

    • Policy terms, conditions, limits and exclusions apply.
    • Subject to the product issuer’s underwriting rules and acceptance guidelines.
    • Please refer to the Accidental Damage Product Disclosure Statement, Listed Events Product Disclosure Statement, Target Market Determination and other disclosure documents for full details of cover limits and terms and conditions available at peopleschoice.com.au or from any People’s Choice branch, before deciding whether to acquire insurance.
    • People’s Choice Credit Union, a trading name of Heritage and People's Choice Ltd ABN 11 087 651 125 AFSL 244310 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. 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 and Target Market Determinations.
    • Insurance products are issued by Insurance Australia Limited trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 25% of the base premium. The commission rate varies depending on the type of insurance.
    • Any advice provided is general advice only and does not take into consideration your personal 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 (PDS), other Disclosure Documents, and Target Market Determination (TMD). Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.