Home and Contents Insurance

Why choose Home and Contents Insurance from CUA?

Save on your premium if you’ve had no home or contents insurance claims over the past five years. You may still qualify for a reduced No Claim Bonus if you’ve had up to two claims^>|<.
Enjoy the savings and convenience of having your building and contents together in one policy^.
Where we replace your contents, they will be replaced as new>|.
You can choose to add personal effects cover to your policy to protect mobile phones, cameras and jewellery away from home.

Home and Contents Insurance


What policy features are avaliable?

Which option suits me? Hide

Cover Benefits VitalClassicPrestige
Standard benefits   
Protected against damage and loss caused by fire, theft, storm (and more) And accidental breakage (of glass), earthquake, tsunamis, explosion, impact damage, lightning or thunderbolt, malicious, riot or civil commotion, rainwater or run off, burglary or house breaking, water or other liquid damage.
Accidental loss or damage
Legal liability cover Up to $10,000,000 mil Up to $20,000,000 mil Up to $20,000,000 mil
Cover for fraudulent use of lost or stolen credit cards Up to $2,500 Up to $5,000 Up to $5,000
Replacement of locks and cylinders Up to $1,000 Up to $1,000 Up to $2,000
Contents in open air at the risk address Sub-limits for selected contents based on insured events loss or damage
Contents in safe deposit box Accidental loss or damage, excluding theft (Up to 20% of contents sum insured)
Guest visitors', visitors; and domestic helpers' property (Up to $5,000)
More great benefits   
Temporary removal of contents from your risk address Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing Up to 20% of contents sum insured with sub-limits for listed contents, while kept where temporarily residing / or up to $7,500 for contents anywhere else in Australia or NZ.
Compensation for death (Up to $10,000)
Security firm attendance (Up to $500)
Title deeds (Up to $2,000)
Veterinary costs if your dog or cat is injured in a road accident (Up to $500)
Automatic indexation of sum insured
Modifications to buildings for paraplegia & quadriplegia (Up to $10,000)
Environmental Benefits
Burnout of household electric motors Motors up to 10 years old Motors up to 12 years old
Spoilage of refrigerated / freezer food Up to $500 No specific limit
Legal Defence Costs
Tax Audit
Transit to your new place of residence
Mortgage discharge costs
Emergency Storage of contents
Compensation for Fracture Limits apply.
Optional benefits   
Flood Cover><Optional flood cover for eligible properties. Optional Optional Optional
Personal effects Cover for items you take away from home, such as mobile phones, cameras or jewellery. Optional Optional Optional
Domestic workers compensation Domestic Workers Compensation gives you cover for people you employ to work at your property where they are injured and you are legally liable. Cover available in the Australia Capital Territory, Western Australia and Tasmania. Optional Optional Optional
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Quick and easy online claims service Show content

Lodge a claim online in under 10 minutes and avoid unnecessary paperwork. An Allianz consultant will contact you as soon as possible.

24/7 claims support hotline Show content

You can speak to an Allianz consultant 24 hours a day, 7 days a week. Call its Australian-based claims hotline on 1300 555 030 whenever you need help.

Pay by the month at no extra cost Show content

If you prefer to fit your premium around your monthly budget there's no extra cost to you>> .

Optional flood cover Show content

You can choose whether to take flood cover with your policy if the property you live in is eligible>< .

Online – any time

Use the online claim form for a fast and easy way to claim. You can submit your claim whenever it suits you.

It takes as little as 10 minutes to complete. Once received, a friendly claims consultant will be in touch as soon as possible.

  • Make a claim 24 hours a day, 7 days a week
  • Secure form
  • Receive an immediate confirmation number for your reference

Over the phone – 24/7 on the claims hotline

Call 1300 555 030 and a consultant will take you through the claims process.

See important information below
Important information Important information Show content

Any advice contained on this website is general advice only and does not take into account your objectives, financial position or needs (your ‘circumstances’). Before making a decision whether to purchase or to continue to hold this cover, please consider whether any advice is appropriate for your circumstances, as well as the relevant Product Disclosure Statement and Financial Services Guide.

Credit Union Australia Limited, ABN 44 087 650 959 (CUA) AFSL No. 238317 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz).

^ Application of discounts is subject to minimum premiums and rounding. In some instances this may reduce the extent to which the discount is applied. Discounts may not be applied to any flood component of the premium (if applicable). In addition, the discount is applied to the premium before application of fees, charges and taxes that are included in the total premium amount paid by you. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium as reduced by any prior applied discounts/entitlements. Any online discount is applied to the standard rates for a new policy (excluding optional covers, such as flood cover) and is for the first year’s premium only (unless stated otherwise). The online discount applies to home and contents, comprehensive car and landlord insurance from CUA, underwritten by Allianz Australia Insurance Limited ASFL no 234708, when purchased via links from the cua.com.au website.

>|< To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

>< Flood cover is subject to eligibility. For eligible property addresses, flood cover is an option on both building and contents in home and landlord insurance policies. The cover is designed to protect customers against damage to their buildings and/or contents in the event of a flood up to the value of the sum insured.

>| At Allianz’s discretion and subject to availability of a replacement item.

>> Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply

~ To qualify for the maximum No Claim Bonus of 30%, customers must have had no landlord insurance claims in the preceding three years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

# This cover only applies if the building is part of a strata title development.

Landlords’ Workers’ Compensation is only available in ACT, TAS and WA.