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Accidental Damage Home Insurance

What is Accidental Damage cover?

CGU Accidental Damage Home Insurance provides cover for your building and contents against almost any type of accidental loss or damage. This policy protects your contents both at home and anywhere in Australia or New Zealand, giving you even greater peace of mind.

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Make a claim

Already have CGU Accidental Damage Home Insurance and need to make a claim? Our claims section will point you in the right direction.


Protection from life’s little misfortunes

If your house keys are lost, you can rest assured that CGU has you covered for the replacement of keys and recoding of locks and barrels.



Key Features

  • Australia-wide cover for your contents against accidental loss or damage
  • Alternative accommodation expenses in addition to the sum insured
  • New-for-old replacement cover
  • Valuable items cover
  • 24/7 claims assistance service
  • Option to pay by the month
  • With this cover you also receive:
    • Increased landscaping cover
    • Architects' and legal fees in addition to the sum insured
    • Unlimited frozen foods cover
    • Increased protection for valuable items covered under general contents
    • Cover for contents left in the open air

View our Home Insurance comparison table and online calculators to determine the cover that’s right for your house and contents insurance.

More Information

Related Policies

Explanation of Fire Services Levy that apply to your policy.

Insurance issued by CGU Insurance Ltd AFSL 238291. This website contains general advice only and doesn't take into account what you currently have, want and need for your personal circumstances. It is important for you to consider these matters and read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS that may apply (which are all available on this website) before you make a decision about an insurance product.

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