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Contents Insurance

Insurance that protects what matters most

Choose the level of cover that fits your needs – from flexible protection with Contents Standard to higher limits and built-in extras with Contents Plus.

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Mozo Experts Choice Award Winner for Exceptional Quality Contents Insurance with 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 Contents Insurance?

Cover for natural disasters

Protection for loss or damage caused by insured events such as storms, bushfires, floods and rainwater run-off.disclaimer

Accidental damage cover

Accidental damage covers unintentional mishaps (e.g., spilled wine on a couch). Included in Contents Plus and optional with Contents Standard.disclaimer

Temporary accommodation

If your home can’t be lived in after an insured event, CGU will pay for reasonable temporary accommodation.disclaimer

Valuable contents

Increase your cover for specific high-value items such as art, jewellery or collectables.

Choose your level of cover

Contents Standard

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

Best for:

  • Homeowners who want flexible cover. 

Contents Plus

Cover with higher limits and built-in extras like accidental damage to your belongings, electric motor burnout and extended temporary accommodation.

Best for:

  • Homeowners who want premium cover with higher protection for their belongings.

What's included?

key-benefits

What’s covered

Description

Building Standard

Building Plus

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 General Contents Sum Insured, whichever is reached first).

Up to 24 months (or up to 20% of your General Contents Sum Insured, whichever is reached first).

Storm, storm surge, flood, rainwater run-off and tsunamidisclaimer

Cover for loss or damage to your belongings caused by storm, flood, rainwater run-off, storm surge and tsunami (exclusions apply).

Fires (including bushfires)

Cover for loss or damage to your belongings caused by fire (including bushfire).

Theft or attempted theft

Loss or damage caused by theft or attempted theft.

Replacement of keys and locks

If keys or access codes to external doors or windows are lost or stolen, CGU will pay to repair, replace or recode the keys, locks, barrels, fobs or keypads. No excess is payable for a claim made only under this benefit.

Food spoilage

If your fridge stops working after a covered event, CGU will pay for spoiled food and prescription medicine.

Up to $500

Up to $2,000

Storage costs

Covers storage and transport costs if your home is unliveable after a covered event (paid in addition to the Contents Sum Insured).

Up to 12 months

Up to 24 months

Visitors’ belongings

Cover for your visitors' items (except money) if they're damaged by a covered event in your home.

Up to $2,500

Up to $2,500

Funeral expenses

If you or a family member dies as a direct result of an incident at the site, CGU will pay for funeral expenses.

Up to $10,000

Up to $15,000

Identity theft

If your identity is stolen and used without your permission for financial gain, CGU will cover certain legal costs. This includes legal expenses in Australia and government fees to replace important identification documents, such as a passport or driver licence.

Up to $2,500

Up to $5,000

Valuable contents – inside your home

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

Optional

Optional

Portable contents – away from homedisclaimer

Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home.

Optional

Optional

Accidental damage – at your homedisclaimer

Accidental damage covers unexpected mishaps around your home.

Optional

Electric motor burnoutdisclaimer

Cover for electric motor burnout in appliances like washing machines, including parts and labour.

Optional

This table summarises headline benefits only. For full details and limits, always read the PDS.

What's not included?

Some things aren’t covered, such as:

  • Damage caused by actions of the sea, such as tides and waves.
  • Damage caused by your animals, or animals you allow into your home.
  • Water leaking or escaping from a shower recess or shower base (including the cost to repair the item the water leaked from).
  • Electric motors over 15 years old, or motors covered by a manufacturer’s warranty or used for business purposes.

See the Product Disclosure Statement (PDS) for full limits, conditions and exclusions.

View CGU policy documents

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 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 how much it would cost to replace your belongings today: estimate the value of your items with CGU’s home contents insurance calculator.disclaimer
  • Want extra cover for your valuables: check whether you need to list any high-value items individually.
  • Consider the cover that best fits you: are you looking for the flexible cover that comes with standard, or the added protection and higher limits of plus?
  • Think about where you’d live if you couldn’t live at home and compare temporary accommodation limits: up to 12 months (or 10% of Contents Sum Insured) is covered with standard, versus up to 24 months (or 20% of Contents Sum Insured) with plus, whichever is reached first.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

Home Building and Contents Insurance

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

  • Building only
  • Contents only   
  • Building and Contents combined

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 

Tips and Guides

Contents Insurance FAQs

Making an 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.

Make a claim

Make sure you 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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You are about to leave the ANZ website and open a new page hosted by CGU Insurance, the product issuer. By clicking 'Continue', you acknowledge that the pages are owned and managed by CGU and all references to ‘we’, ‘us’ and ‘our’ are references to CGU Insurance and not ANZ. ANZ does not underwrite or pay claims on the general insurance products. To return to ANZ please click 'X'.

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

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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 will pay for accommodation for up to 12 months for the Home Contents Standard policy (or up to 24 months if you have a Home Contents Plus policy), or until your home is repaired or replaced to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. CGU must be satisfied your home is unliveable and must agree to the costs before you make any arrangements.

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Portable items are covered for loss, theft and accidental damage. CGU will cover 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 don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. CGU don’t cover bicycles while they’re being used in a competitive race or time trial. A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

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CGU can cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

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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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