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Home Building and Contents Insurance

Insurance that protects what matters most

Choose the cover that fits your needs – building, contents or combined building & contents cover. Each is available in Standard and Plus options.

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Mozo Experts Choice Award Winner for Exceptional Quality Home & Contents Insurance with Building and Contents Plus (2025).
 

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ANZ Home Insurance Product Disclosure Statement (PDF) For new policies purchased from 14 June 2026 (inclusive) or policies renewing from 26 July 2026.

Logos of ANZ and CGU

ANZ Home, Landlord and Car Insurance is proudly underwritten by CGU, part of Insurance Australia Group (IAG), Australia's largest insurer protecting half a million homes and over one million motor vehicles today.

Why choose ANZ Building and Contents Insurance?

Safety Net (included with Building Plus)

If the cost to repair or rebuild your home is higher than your Building Sum Insured, CGU will pay up to 25% extra to help cover the gap.disclaimer

Cover for natural disasters

Cover for loss or damage to your home and contents covered by flood, bushfires, storms and other natural disasters.disclaimer

Temporary accommodation

If your home can’t be lived in after a covered event, CGU will pay for reasonable temporary accommodation – limits apply as detailed in the PDS.disclaimer

Accidental damage cover

Automatically included with Plus, and optional with Standard, provides cover for damage to your home from unintentional mishaps, like putting a hole in the wall while moving furniture or spilling wine on the couch.disclaimer

Choose your level of cover

Our home and contents insurance is made up of two parts: Home Building Insurance and Contents Insurance. You can choose from building only, contents only or combined cover.

Home Building Insurance: Standard or Plus

Helps cover the cost of repairing or rebuilding your home following an insured event.

Standard cover provides flexible protection for common insured events such as theft, fires, storms and accidental damage (when selected). A great fit if you’re looking for essential cover for your home.

Plus cover provides premium cover with higher limits on key benefits, plus built in extras.

At a glance:

  • Cover for natural disasters: cover for loss or damage to your home and contents covered by flood, bushfires, storms and other natural disasters.disclaimer
  • Temporary accommodation: if your home can’t be lived in after a covered event, CGU will pay for reasonable temporary accommodation – up to 12 months (or 10% of the Sum Insured) with Standard or up to 24 months (or 20% of the Sum Insured) with Plus, whichever is reached first.disclaimer
  • 25% Safety Net (with Plus only): if rebuilding costs exceed your Building Sum Insured, CGU will pay up to 25% extra to help cover the gap.disclaimer
  • Lifetime guarantee on authorised repairs: when CGU authorise and pay for repairs to your home, the workmanship is guaranteed for the life of those repairs.

For a full list of what’s covered, limits and exclusions, see the Home Building Insurance page.

Contents Insurance: Standard or Plus

Helps cover the cost of replacing what’s inside your home and property if it’s damaged or stolen.

Standard cover provides everyday protection for common insured events (e.g., storms, bushfires, floods, theft or vandalism to the home) with optional upgrades.

Plus cover provides premium cover with higher limits and built in extras.

At a glance:

  • Accidental Damage: covers unintentional mishaps, like spilling wine on the couch (included with Contents Plus; optional with Contents Standard).disclaimer
  • Cover for natural disasters: protection for loss or damage caused by insured events such as storms, bushfires, floods and rainwater run-off.disclaimer
  • Valuable & Portable Contents options: increase cover for specific high-value items (e.g., jewellery or art) and choose cover for items you take outside your home.disclaimer

For a full list of what’s covered, limits and exclusions, see the Contents Insurance page. 

View CGU policy documents

Refer to these important documents for full details including limits, conditions and exclusions and to decide if this product is right for you.

For new policies purchased from 14 June 2026 (inclusive) or policies renewing from 26 July 2026.

ANZ Home Building Key Facts Sheet (PDF)

ANZ Home Contents Key Facts Sheet (PDF)

ANZ Home Insurance Product Disclosure Statement (PDF)

ANZ Home Insurance Premium, Excess and Discounts Guide (PDF)

ANZ Home Insurance Target Market Determination (PDF)

For policies purchased before 14 June 2026 or policies renewed before 26 July 2026, refer to Partner policy booklets | CGU Insurance

Tips for choosing cover

  • Check your rebuild cost and the value of your belongings today with CGU’s home building insurance calculator.disclaimer
  • Check whether you want to increase cover for specific high-value items (e.g., jewellery or art).
  • If you want more certainty for temporary accommodation, compare Standard vs Plus.disclaimer

Get a quote

Already have an account with us?

Go to ANZ Internet Banking

Existing ANZ Internet Banking customers can get a quote by doing the following:

  1. Log in to your Internet Banking
  2. Navigate to the ‘Products & Offers’ tab

If you're an ANZ customer and not already registered with ANZ Internet Banking, click here to check your eligibility and register for Internet Banking.

New to ANZ?

Get a quote online

If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.

Call us or visit a branch

To get a quote, apply or for general enquiries:

Call us on 13 16 14 Mon-Fri 8.00am to 8.00pm (Sydney/Melbourne time)

Book an appointment or find an ANZ branch near you.

You may also be interested in

Contents Insurance

ANZ Home Insurance with contents cover for renters:

  • Cover to help replace your belongings against theft, accidental loss and damage.

Tell me more 

Landlord Insurance

ANZ Landlord Insurance has a range of cover available for your rental property:

  • Building only
  • Contents only
  • Building and Contents combined

Tell me more 

Car Insurance

ANZ Car Insurance has a range of cover available for you:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Property Damage

Tell me more 

Home and contents insurance FAQs

Home and contents insurance is made up of two parts – home building insurance, which covers the building you live in and non-removable fixtures in case of damage or natural disaster, and contents insurance, which helps cover your contents in case they are damaged or stolen.

In the event of damage or loss caused by an insured event, a combined policy helps cover the cost to repair, rebuild or replace the following:

  • the structure of your home
  • other buildings on your property like sheds, garages and carports
  • permanent fixtures in your home, like kitchen cabinets or light fittings in your home
  • personal belongings, like your furniture and electronics.

Some examples of insured events include fires (including bushfires), storms, floods, water leaks, theft, vandalism and more. You can see the full list in the Product Disclosure Statement (PDS).

To get a quote, you’ll need to tell us how much to insure your home and contents for. To get an idea of how much your building or contents might be worth, you can use CGU’s calculators as a guide.

Under your ANZ home building insurance, you are able to claim the cost of repairing or rebuilding your home if it is damaged after an insured event such as accidental glass breakage, theft or attempted theft, vandalism or natural events, such as a bushfire, flood, cyclone, earthquake or storm.

Under your contents insurance, you are able to claim destroyed, damaged or stolen personal items, after an insured event. These contents items include:

  • clothes and accessories
  • kitchen appliances
  • furniture or furnishings that are not built-in
  • medical items and hearing aids
  • media bought online, such as music, software and videos
  • artworks, and
  • rugs and antiques

Under ANZ contents insurance, additional cover can also be taken out under your policy for each group of valuables from jewellery and watches, works of art or collections that exceeds $2,500, and portable contents cover that provides cover for your items whilst they are outside of your home.

Your ANZ home and contents policy also includes legal liability in some situations if someone is injured or their property is damaged (up to $20m).disclaimer

If you are renting, your landlord is responsible for insuring the building and any contents at the property that are owned by your landlord, such as the carpet, curtains or blinds. However, your personal belongings are not covered by your landlord's insurance, and if you want cover to protect these items, you will need to take out your own contents insurance cover.

Renters can take out a contents insurance policy exactly the same way as a homeowner, and can have cover for all their household items such as electronics, kitchen appliances, furniture, medical items, clothing and accessories.

If you want cover for your contents whilst you're out of the house, such as your mobile phone, bag or laptop in the case of theft or accidental damage, you can add the 'portable contents' optional benefit to your ANZ contents insurance policy. This can cover your items anywhere you need to go, whether it's to work, on public transport or on an overseas holiday.disclaimer

In most cases, you'll need to contribute an amount towards the cost of approved claims. This is known as your 'excess', and you may increase the amount of excess you would like to pay to reduce your premiums.

Types of excess you might need to pay include the standard excess and an imposed excess.

Refer to the ANZ Home Insurance Premium, Excess and Discount Guide for further information.

Making a home and contents insurance claim can come at an extremely stressful time. With 24/7 claims lodgement over the phone, help is with you when you need it most.

To make a claim, call 13 16 14. Make sure you have your policy number handy.

Want more information on making a claim? Read our article, How to make a home and contents insurance claim.

Your feedback regarding our performance is valued. ANZ and CGU are committed to resolving any concerns you may have.

The customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. They will do their best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you wish to lodge a complaint or provide feedback, please visit the Complaints Resolution Centre.

Tips and Guides

Make a claim

Make sure to have your policy number handy.

Customers can make a claim by accessing their online account via the manage your policy page or call 13 16 14.

Visit our claims page for more information.

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This information was published on 14 June 2026 and is subject to change.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF), ANZ Home Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) under the CGU brand and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (for policies commencing from 14 June 2026) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

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Included with Plus cover only. Up to an extra 25% on top of your Building Sum Insured (known as Safety Net). If your home needs to be rebuilt or repaired as a result of an incident CGU has agreed to cover and the cost to repair or rebuild your home is higher than the Building Sum Insured.

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CGU don't cover actions of the sea, such as tides and waves. Refer to the ANZ Home Insurance Product Disclosure Statement (PDF) for a full list of conditions, embargoes, limits and exclusions that apply.

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If you’re renting the home, CGU will pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, CGU cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, CGU pay for accommodation for up to 12 months for the Home Buildings and Contents Standard policy (or up to 24 months if you have a Home Buildings and Contents Plus policy), or when your home is repaired or replaced, whichever occurs first. CGU pays your temporary accommodation costs up to 10% of your sum insured for Home Buildings and Contents Standard policies, and up to 20% for Home Buildings and Contents Plus. CGU needs to be satisfied your home is unliveable and agree to the cost before you make arrangements.

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CGU don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.

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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 doesn’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.

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These calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.

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Cover applies if the incident happens at your home (under Building Insurance), and away from your home but still in Australia (under Contents Insurance).

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