ANZ Home Insurance Product Disclosure Statement (PDF)
ANZ Home Insurance Supplementary Product Disclosure Statement (SPDS) (PDF)
For new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive).
If the cost to repair or rebuild your home is higher than your building sum insured, the Safety Net will cover up to an extra 25% on top of your building sum insured.disclaimer
Cover for loss or damage to your home and contents caused by flood, bushfires, storm and other natural disasters.disclaimer
Includes cover for accidental damage to buildings, fixtures and your belongings from unintended and unexpected accidents around your home.disclaimer
You can choose to pay fortnightly, monthly or annually at no extra cost.
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.
Step 1: Be prepared
To help speed up the process, be prepared to answer questions about your contents like:
Also think about if you will want optional benefits like:
Step 2: Tailor your cover
Tailor your policy to suit your needs by adding any optional benefits you require. You will need to check that:
A calculator is available from the Insurance Council of Australia to help you determine your sums insured. disclaimer
If you’re new to ANZ, or not registered with ANZ Internet Banking, you can get a quote online.
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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.
Clicking ‘Continue’ will launch a new page. If the page fails to load, your internet browser may be set to block pop-ups. You may need to change your browser pop-up settings to continue.
Existing ANZ Internet Banking customers can get a quote by:
Logging in to your Internet Banking
Navigating to the 'Products and Offers' tab.
If you are an ANZ customer and not already registered with ANZ Internet Banking, click here to check your eligibility and register for Internet Banking.
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.
Home and contents insurance is made up of two parts:
Home insurance helps cover the cost of repairing or rebuilding your home following an insured event.
Contents insurance helps cover the cost of replacing what's inside your home and property if it's damaged or stolen.
ANZ Home Insurance covers the cost of repairing or rebuilding your home building and contents following an insured event up to the insured amount or the limits set out in the policy.
This includes cover for:
Key benefits
Building & Contents |
Building only |
Contents only |
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Safety Net – up to an extra 25% on top of your building sum insured if your home needs to be rebuilt or repaireddisclaimer |
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Cover for flood, bushfire and other natural disastersdisclaimer |
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Accidental damage cover for building and contentsdisclaimer |
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Temporary Accommodationdisclaimer |
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Cover for electrical motor burnoutdisclaimer |
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Cover for liabilitydisclaimer |
Optional benefits
Building & Contents |
Building only |
Contents only |
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Portable contents – cover away from your homedisclaimer |
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Valuable contents – inside your homedisclaimer |
Refer to these important policy documents for full details including limits, conditions and exclusions and to decide if this product is right for you.
ANZ Home Building Key Facts Sheet (PDF)
ANZ Home Contents Key Facts Sheet (PDF)
ANZ Home Insurance Product Disclosure Statement (PDF)
ANZ Home Insurance Supplementary Product Disclosure Statement (SPDS) (PDF)
For new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive).
ANZ Home Insurance Premium, Excess and Discounts Guide (PDF)
For new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive).
ANZ Home Insurance Premium, Excess and Discounts Guide (PDF)
For policies commenced before 2 February 2025 or policies renewed before 16 March 2025.
This information was published on 31st Jan 2025 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) and for new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive) ANZ Home Insurance Supplementary Product Disclosure Statement (SPDS) (PDF) (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) (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) (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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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.
ReturnCGU 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 (PDF) and for new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive) ANZ Home Insurance Supplementary Product Disclosure Statement (SPDS) (PDF) for a full list of conditions, embargoes, limits and exclusions that apply.
ReturnCGU will cover your home if you have building insurance and 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.
ReturnThese calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.
ReturnIf 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.
ReturnCGU 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.
ReturnCover applies if the incident happens at your home (under building or contents insurance).
ReturnIf 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 (PDF) and for new policies commencing from 2 February 2025 (inclusive) or policies renewing from 16 March 2025 (inclusive) (PDF) ANZ Home Insurance Supplementary Product Disclosure Statement (SPDS) (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.
ReturnValuable 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.
Return