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Contents Insurance

Contents insurance that can be taken out by renters or homeowners to help cover against theft, accidental loss and damage.

Includes cover for:

  • Natural disasters like earthquake, storm and flooddisclaimer
  • Automatic accidental damage coverdisclaimer

How to get a quote

ANZ Home Insurance Product Disclosure Statement – issued by CGU Insurance (PDF)

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 Home Insurance with contents cover?

Cover for natural disasters

Cover for loss or damage to your contents caused by flood, bushfires, storm and other natural disasters.disclaimer

Accidental damage cover

Includes cover for accidental damage for your belongings from unintended and unexpected mishaps around your home.disclaimer

Electrical motor burnout cover

Includes cover for electric motor burnout in appliances like your fridge, including parts and labour.disclaimer

Pay your way

You can also choose to pay fortnightly, monthly or annually at no extra cost.

What is ANZ Home Insurance with contents cover?

Insurance for renters and homeowners

ANZ Home Insurance with contents covers the loss and damage to your contents following an insured event up to the insured amount or the limits set out in the policy. This includes cover for natural disasters, such as a bushfire, flood, earthquake or storm, as well as theft and vandalism. It also includes automatic accidental damage cover.

What's included

Key benefits

key-benefits
  Contents only
Cover for flood, bushfire and other natural disastersdisclaimer
Accidental damage cover for contentsdisclaimer 
Temporary accommodationdisclaimer
Cover for electrical motor burnoutdisclaimer
Cover for liabilitydisclaimer

Optional benefits

key-benefits
  Contents only
Portable contents – cover away from your homedisclaimer
Valuable contents – inside your homedisclaimer

What's not included

Some things ANZ Home Insurance with contents cover doesn't cover or include:

  • Actions of the sea, like sea waves, high tides and king tides.disclaimer
  • Damage by your animals, or animals you allow into your home.
  • Damage caused by water leaking or escaping from a shower recess or shower base. CGU also doesn't cover the costs to repair or replace the item that the liquid leaked or escaped from.
  • Electric motors over 15 years after they were made or any motors covered by a warranty or used in your business.disclaimer
  • Portable items with scratches and dents or items being cleaned or repaired.disclaimer
  • Fixtures and fittings in a strata property that are insured by the body corporate.disclaimer
  • Short-term rentalsdisclaimer

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.

Illustration of home and a car with shield

Do you have an ANZ Home Insurance policy issued by QBE?

From 3 July 2023, ANZ have partnered with CGU to offer home, landlord and car insurance and no longer offer insurance products issued by QBE to new customers. This product information on this page does not apply to your policy if it was issued by QBE. If you purchased an ANZ home, landlord or car insurance policy prior to 3 July 2023 or renewed prior to 7 August 2023 you can still make a claim or view more information and policy documents for these products.

 

Make a claimView more information

How to apply

1. Be prepared

We'll need to ask you questions about your contents like what type of items you require cover for and questions about the home. Also think about if you will want optional benefits like portable contents cover or valuable contents cover. Having this information handy will speed up the process.

2. Choose your level of cover

Tailor your policy to suit your needs by adding any optional benefits you require. You will need to check that the sums insured are enough to help replace your contents. A calculator is available from the Insurance Council of Australia to help you determine your sums insured.disclaimer You can choose to pay fortnightly, monthly or annually at no extra cost.

3. Get started

Once you are ready to complete a quote, call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time) or visit your nearest ANZ branch. ANZ customers with internet banking can also request a quote through Internet Banking.

Get a quote

Through Internet Banking

Log in to Internet Banking

Existing ANZ Internet Banking customers can get a quote by logging in to your Internet Banking and navigating to the 'Products and Offers' tab from your top menu. Click on the Insurance tab on the left-hand side and click on the Home Insurance product to get a quote. If you are an ANZ customer and not already registered with Internet Banking, click here to check your eligibility and register for Internet Banking. 

Visit or call us

Book an appointment

Find a location or specialist

Get a quote by visiting a branch. Book an appointment at your local branch or see a map of our branch locations. Or call our customer service team on 13 16 14, available Monday to Friday, 8am to 8pm (Sydney/Melbourne time).

You may also be interested in

Home building and contents insurance

Illustration for Home 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

Illustration for land 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

Illustration for 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

Your questions answered

Contents Insurance FAQs

Find all the important policy documents for ANZ Home Insurance with Contents cover, all in one place.

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.

Call 13 16 14

If you took out ANZ Home Insurance with Contents cover prior to 3 July 2023, or renewed your policy prior to 7 August 2023, you are still covered under your QBE policy. To make a claim, please view more information here.

Your feedback regarding our performance is valued greatly. 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

Contact us

Call us

Call 13 16 14  

Visit us in person

Get a quote or apply by visiting your nearest ANZ branch

Find a location or specialist

Make a claim

Make sure to have your policy number handy.

To make a claim call 13 16 14 or visit our claims page for more information.

Visit our claims page

Important information

This information was published on 3 July 2023 and is subject to change.

For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. 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) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance 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) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

For new policies commencing from 3 July 2023 (inclusive) or policies migrated from QBE Insurance (Australia) Limited from 7 August 2023 (inclusive), ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance 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) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). 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) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product. 

For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

For policies commenced before 3 July 2023 or policies renewed before 7 August 2023, ANZ Car Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545). ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (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 doesn't cover actions of the sea: like sea actions caused by normal tidal movements like high tides and king tides. Refer to the ANZ Home Insurance Product Disclosure Statement – issued by CGU (PDF) for a full list of conditions, embargoes, limits and exclusions that apply.

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CGU will cover your general contents and valuable contents if you have contents insurance for loss or damage caused by accident. You are only insured for contents when they are inside your home except as specifically provided for under any additional benefits or optional benefits you are entitled to.

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

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If you're renting the home, CGU cover 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 cover up to 20% in addition to your building sum insured for up to 2 years for temporary accommodation for you and your pets, if your home suffers loss or damage and is unlivable from an insured event. You should seek CGU's agreement before incurring any out-of-pocket expenses to ensure you will be able to claim those costs back on your policy. If you do not obtain CGU's agreement first, CGU will only pay reasonable costs up to the amount CGU would have agreed to pay had you obtained CGU's prior agreement.

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Cover applies if the incident happens at your home (under building or contents insurance).

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If you have the Portable contents optional benefit, portable contents are covered for loss, theft and accidental damage. CGU 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, refer to the ANZ Home Insurance Product Disclosure Statement – issued by CGU Insurance (PDF) for a full list of conditions, limits and exclusions that apply. 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.

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Valuable contents – Jewellery and watches, works of art and collections are covered as part of your general contents, however the cover is limited to $2,500 in total for all items in each of these categories. 

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CGU will not cover items that are covered by an insurance policy taken out by an owners corporation or similar body; or common property.

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CGU will not cover any property used solely for short-term rentals where the rental periods are less than 90 days.

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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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