Home and Landlord
Protect your property with tailored insurance solutions from our partner CGU Insurance. Whether you're looking for comprehensive building and contents cover, standalone building insurance, reliable contents insurance, or specialised landlord protection, we’ve got the right policy for you. Explore our options to safeguard what matters most.
Building and Contents Insurance
Protect your home inside and out
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.
Features
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 tsunami1
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 accommodation2
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
Optional Cover - Valuable contents - Increase your cover for some items in your home like art, jewellery and collectables
Optional Cover - Motor burnout - Add cover for electric motor burnout5 in fixtures (like air con) and appliances (like washing machines), including parts and labour
Optional Cover - 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.
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.
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If 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.
3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 Portable 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. The Product Disclosure Statement and Target Market Determinations are available from https://www.cgu.com.au
Building Insurance
Protect your home with cover for repairs, rebuilds, and temporary accommodation
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.
Features
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 tsunami1
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 accommodation2
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
Optional Cover - Motor burnout - Add cover for electric motor burnout5 in fixtures (like air con) and appliances (like washing machines), including parts and labour
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 food spoilage and landscaping. Read the Product Disclosure Statement to see exactly what’s included.
1 CGU don’t cover actions of the sea, such as tides and waves.
2 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.
3 Cover applies if the incident happens at your home (under Building insurance).
4 CGU 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. The Product Disclosure Statement and Target Market Determinations are available from https://www.cgu.com.au
Contents Insurance
Protect your belongings at home and on the go
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.
Features
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 accommodation2
No excess for food spoilage - If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine3
Optional Cover - Accidental damage - Add cover for damage to your items from unintentional mishaps in your home4
Optional Cover - Valuable contents - Increase your cover for some items in your home like art, jewellery and collectables
Optional Cover - Motor burnout - Add cover for electric motor burnout5 in appliances (like washing machines), including parts and labour
Optional Cover - 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.
1 CGU don’t cover actions of the sea, such as tides and waves.
2 If 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.
3 CGU pays up to $500 for Contents Standard, or up to $2,000 with Contents Plus.
3 Cover applies if the incident happens at your home (under Building insurance), and away from your home but still in Australia (under Contents insurance).
4 CGU doesn't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.
5 CGU cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
6 Portable 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. The Product Disclosure Statement and Target Market Determinations are available from https://www.cgu.com.au.
Landlord Insurance
Safeguard your investment against vandalism, fire, theft, and more
Protect your investment with landlord insurance designed to cover the unexpected. From lost rental income during repairs to damage caused by storms, fire, or leaks, you’ll be covered for a wide range of insured events. Plus, enjoy added peace of mind with protection against theft, vandalism, and damage to furniture and furnishings in your rental property.
Features
Loss of rent during repairs - If your building or contents are covered and your rental property is unliveable after a covered event, CGU will pay up to 12 months of lost rent1
Furniture & furnishings - Cover for loss or damage to furniture, furnishings and carpet in your property2
Theft & vandalism - Cover for stolen items and damage to or from theft and vandalism, including stolen keys3
Flood, storm & storm surge - Cover for loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami4
Fire - Cover for loss and damage caused by fire (including bushfire)
Damage from leaks - Cover for loss or damage to your property caused by liquid leaks5 like from a burst pipe or broken heater
1 CGU cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required.
2 Under a Landlord ‘Contents’ policy, your furniture and furnishings are covered up to the contents insured amount. Under a Landlord ‘Building’ policy, if your property isn’t under a strata or similar scheme your furniture and furnishings are covered to up to 10% of the buildings insured amount.
3 If theft or vandalism by tenant, CGU will deduct from your claim four times the weekly rent amount shown on your rental agreement, in addition to the standard excess. A valid rental agreement is required. No excess is payable for a claim made only under the ‘Replacement of keys and locks’ additional benefit.
4 CGU don’t cover actions of the sea, such as tides and waves.
5 CGU doesn’t cover damage caused by water leaking or escaping from a shower recess or shower base. CGU doesn't cover loss from erosion or other earth movements. CGU doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.
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. The Product Disclosure Statement and Target Market Determinations are available from https://www.cgu.com.au.
Disclaimer
Coastline Credit Union Limited trading as Coastline Bank ABN: 88 087 649 910 AFSL: 239175 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN: 11 000 016 722, AFSL: 227681 under the CGU brand.
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 the Product Disclosure Statement and Target Market Determinations from https://www.cgu.com.au