Fraud protection.
Now it's personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Issac Corporation.
Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Insurance that protects what matters most
Choose the level of cover that fits your needs – from flexible everyday protection with Building Standard, to higher limits and built-in extras with Building Plus.
ANZ Home Insurance Product Disclosure Statement (PDF) For new policies purchased from 14 June 2026 (inclusive) or policies renewing from 26 July 2026.
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.
Protection for loss or damage caused by insured events such as storms, bushfires, floods and rainwater run-off.disclaimer
If the cost to repair or rebuild your home is higher than your Building Sum Insured, CGU will pay up to 25% extra with Building Plus.disclaimer
Once repairs to your home are authorised and paid for, workmanship is guaranteed for the life of those repairs, providing extra confidence when you need it most.
If your home can’t be lived in after an insured event, CGU will pay for reasonable temporary accommodation.disclaimer
Everyday protection for common insured events (e.g., storms, bushfires, floods, theft or vandalism to the home) with optional upgrades.
Best for:
Higher limits and built-in extras like accidental damage to your home, electric motor burnout, extended temporary accommodation, and the 25% Safety Net.
Best for:
What’s covered |
Description |
Building Standard |
Building Plus |
|---|---|---|---|
Rebuilding/repairs |
Repair or rebuild your home up to the Building Sum Insured after an insured event. |
|
Comes with a safety net of up to an extra 25%. |
Temporary accommodationdisclaimer |
If your home can't be lived in after an insured event, CGU will pay for reasonable temporary accommodation and related costs (within limits). |
Up to 12 months (or up to 10% of your Building Sum Insured, whichever is reached first). |
Up to 24 months (or up to 20% of your Building Sum Insured, whichever is reached first). |
Storm, storm surge, bushfires, flood, rainwater run-off and tsunamidisclaimer |
Cover for loss or damage from insured events such as storm, storm surge, bushfires, flood, rainwater run-off and tsunami (exclusions apply) |
|
|
Theft/attempted theft, vandalism |
Damage to your home caused by theft or vandalism. |
|
|
Replacement of keys and locks |
Cover for lost or stolen keys and access codes, including replacement, repair, or recoding. |
|
|
Landscaping |
Loss or damage to your plants, trees, shrubs or hedges at the site. |
Up to $1,500 |
Up to $3,000 |
Removal of debrisdisclaimer |
Demolition and debris removal to make the site safe (within limits). |
Up to 10% of the Building Sum Insured. |
Up to 10% of the Building Sum Insured. |
Professional & rebuilding fees |
Architect, engineer or surveyor fees, and legal fees, related to rebuilding after an insured event. |
|
|
Accidental damage to your home |
Accidental damage covers unexpected mishaps around your home. E.g., drilling into a pipe or a smashed benchtop. |
Optional |
|
Electric motor burnoutdisclaimer |
Cover for electric motor burnout in fixtures and permanently fixed appliances, like air con and dishwashers, including parts and labour. |
Optional |
|
This table summarises headline benefits only. For full details and limits, always read the PDS.
Some things aren’t covered, such as:
See the Product Disclosure Statement (PDS) for full limits, conditions and exclusions.
Refer to these 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 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
Existing ANZ Internet Banking customers can get a quote by doing the following:
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.
If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.
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.
ANZ Home Insurance with contents cover for renters:
ANZ Landlord Insurance has a range of cover available for your rental property:
ANZ Car Insurance has a range of cover available for you:
Learn how premiums are calculated, what of your home and contents can be covered while you're travelling, and more.
See our top six tips for getting the most from your cover, reducing premiums, being careful of exclusions and understanding your policy.
Natural disasters like bushfires, floods, cyclones and hailstorms are inevitable. See our top tips on getting your home covered from disaster.
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.
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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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.
ReturnIncluded 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.
ReturnIf you own and live in your home, CGU will pay the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, CGU will pay for accommodation for up to 12 months for Home Buildings Standard (or up to 24 months for Home Buildings Plus), or until your home is repaired or replaced, whichever occurs first. CGU will pay your temporary accommodation costs up to 10% of your Building Sum Insured for Home Buildings Standard policies, and up to 20% for Home Buildings Plus. CGU must be satisfied your home is unliveable and must agree to the cost before you make arrangements.
ReturnCGU will pay up to 10% of the Building Sum Insured for this additional benefit.
ReturnCGU can cover electric motors for up to 15 years after they were made, provided they are not covered by a warranty, you do not use them for a business, trade or profession and they are kept at your home or site. CGU do not cover the cost to remove or install submerged or underground motors.
ReturnThese calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.
Return