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    Key benefits

    Theft and vandalism: Cover for stolen items and damage to your items from robbery and vandalism, including stolen keys.
    Flood, storm and storm surge: Cover for loss or damage to your items caused by flood, rainwater run-off, storm, storm surge and tsunami.
    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.
    No excess for food spoilage: If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine.

    Optional cover

    • Accidental damage

      Add cover for damage to your items from unintentional mishaps in your home. 

    • Valuable contents

      Increase your cover for some items in your home like art, jewellery and collectables. 

    • Motor burnout

      Add cover for electric motor burnout  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 home.

    Want premium cover?

    Choose Home Contents Plus when you’re getting a quote.

    Home 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.
    • As well as higher limits on some inclusions, like food spoilage.  

    Product overview

    For most people their personal possessions are valuable and often costly to replace. Protect the things you love from the unexpected with contents insurance through People First Bank. Our contents insurance, provided by CGU, lets you pick and choose options that best suit you. You have the option to add optional valuables cover to make sure you're only paying for the cover you want. Your cover could help replace your contents in the event of flood, storm, fire, theft and much more.

      Compare your cover

      This table compares the cover CGU provides under the types of insurance and levels of cover it offers. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement. 

      Cover Building Plus Contents Plus Building Standard Contents Standard
      Cover for loss or damage to Your Home and Contents
      Accidental breakage of glass ✓ ✓ ✓ ✓
      Animal damage ✓ ✓ ✓ ✓
      Deliberate or intentional act ✓ ✓ ✓ ✓
      Earthquake ✓ ✓ ✓ ✓
      Escape of water or liquid ✓ ✓ ✓ ✓
      Explosion ✓ ✓ ✓ ✓
      Fire ✓ ✓ ✓ ✓
      Flood or Rainwater Run-off ✓ ✓ ✓ ✓
      Impact ✓ ✓ ✓ ✓
      Lighting ✓ ✓ ✓ ✓
      Riot or civil commotion ✓ ✓ ✓ ✓
      Storm ✓ ✓ ✓ ✓
      Storm Surge or tsunami ✓ ✓ ✓ ✓
      Theft or attempted theft ✓ ✓ ✓ ✓
      Cover for liability ✓ ✓ ✓ ✓
      Additional benefits
      Accidental damage for Contents in transit to new home ✗ ✓ ✗ ✓
      Buying a new home ✓ ✗ ✓ ✗
      Contents away from Your Home ✗ ✓ ✗ ✓
      Contents in storage ✗ ✓ ✗ ✓
      Contents in the open air ✗ ✓ ✗ ✓
      Contents in transit ✗ ✓ ✗ ✓
      Food spoilage ✗ ✓ ✗ ✓
      Funeral expenses ✓ ✓ ✓ ✓
      Identity Theft ✗ ✓ ✗ ✓
      Landscaping ✓ ✗ ✓ ✗
      Locating the cause of damage ✓ ✗ ✓ ✗
      Meeting building regulations ✓ ✗ ✓ ✗
      Mortgage discharge costs ✓ ✗ ✓ ✗
      Moving to a new home ✗ ✓ ✗ ✓
      Owner fixtures – Strata Scheme ✗ ✓ ✗ ✓
      Professional and rebuilding fees ✓ ✗ ✓ ✗
      Removal of debris ✓ ✓ ✓ ✓
      Replacement of keys and locks ✓ ✓ ✓ ✓
      Safety net ✓ ✗ ✗ ✗
      Storage costs ✗ ✓ ✗ ✓
      Students living away from Home ✗ ✓ ✗ ✓
      Temporary accommodation ✓ ✓ ✓ ✓
      Visitors’ belongings ✗ ✓ ✗ ✓
      Optional benefits
      Accidental damage – at Your Home Automatically included Automatically included Optional Optional
      Electrical motor burnout Automatically included Automatically included Optional Optional
      Portable Contents – away from Your Home ✗ Optional ✗ Optional
      Valuable Contents – inside Your Home ✗ Optional ✗ Optional

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        Need to make a home insurance claim?

        Make a claim through your CGU Online Account or call CGU's claims team 24 hours a day, 7 days a week on 13 24 80.

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