Home and contents insurance options

Bupa, through our arrangements with CGU, has a great range of home and contents insurance options, whatever your insurance needs.

At Bupa, Home and Contents Insurance covers more than just the ‘four walls’ you live in. In fact, we cover items many insurance companies don’t. Because we know the things in and around your home are important too, we offer cover for inside and out.

With us you can easily find the cover that best suits your needs. You can tailor our wide range of home insurance options: choose between building only, contents only or both. And select insured levels ranging from top Accidental Damage cover, Listed Events or Fundamentals.

Plus as a valued Bupa health member, you’ll also receive a 10% discount.

Accidental damage home insurance

This is the highest level of cover for your home and belongings. Not only are you covered for events such as fire, theft, burglary, storm and water damage, we’ll also insure your contents for accidental damage, loss or theft outside of your home, anywhere in the world (limits and exclusions apply).^*

Listed events home insurance

Provides you with comprehensive insurance for listed events such as fire, theft, burglary, storm and water damage. Plus we’ll cover valuables such as your CD or DVD collection, smart phones and laptops inside your home, and optional cover is available for these items away from your home too (limits and exclusions apply).^*

 

Fundamentals home insurance

A great budget friendly option. It offers home insurance for the essentials such as fire, theft, burglary, water and storm damage.

Key features at a glance

Features	Accidental Damage	Listed Events	Fundamentals
Accidental damage or accidental loss
Alternate accommodation Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Architects, surveyors and legal fees Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Burning out of an electric motor for motors up to 15 years old
CDs, DVDs, BluRay® Discs and Software Up to $20,000 per item or boxed set unless specified
Contents at home in the open air		Up to $2,000 for the events listed	Up to $1,000 for the events listed
Credit card and transaction card misuse	$5,000	$5,000	$1,000
Fine art, paintings and works of art Up to $20,000 per item unless specified
Frozen food following breakdown of freezer	Includes accidents	Up to $500
New-for-old replacement cover (contents)
Removal of debris and demolishing costs Paid in addition to the sum insured	Up to 10% of sum insured	Up to 10% of sum insured	Up to 10% of sum insured
Replacing keys and repairs to and recoding of locks and barrels	No limit	Up to $1,000	Up to $1,000
Valuable items jewellery, laptops, mobile phones, cameras & photographic equipment, MP3 players, etc. Limits apply*	20% of sum insured or $7,500 whichever is greater (Up to $2,500 per item).	20% of sum insured or $5,000 whichever is greater (Up to $2,500 per item).	$2,000 in total (Up to $1,000 per item).
Optional additional valuables cover Worldwide cover for up to 90 consecutive days	No limit	Up to $5,000
Vet expenses if your pet is injured in a road accident	Up to $500	Up to $500

Home Insurance Calculator

We know you can’t put a price on the real value of a home but many people underestimate the value of a house and their household contents. Find out if you have the right home and contents insurance replacement figure in mind.

• Building value calculator
• Contents value calculator

Contents insurance at a glance

Contents insurance	Accidental Damage home insurance	Listed Events home insurance	Fundamentals home insurance
New for old cover
Accidental damage and loss
Valuable items cover (Jewellery, watches, furs, gold, silver, collections)	Covered to $7,500 or 20% of your contents sum insured, whichever is higher.	Covered to $5,000 or 20% of your contents sum insured, whichever is higher.	Valuables automatically covered to $2,000.
Valuable item limits (extra cover is available)	$2,500 per item/set. Coverage anywhere in Australia and New Zealand.	$2,500 per item/set. Coverage within the home.	$1,250 per item/set. Coverage within the home.
CDs, DVDs, game cartridges and antiques	Up to $20,000	Up to $20,000	Up to $20,000
Credit card misuse	Up to $5,000	Up to $5,000	Up to $500
Fusion - electrical motor burnout (for items up to 15 years old)
14 days cover at both addresses - if you're moving house
$20 million liability

Join thousands of Bupa members - ensure your peace of mind with us.

The General Insurance Code of Practice

We proudly support the General Insurance Code of Practice, which aims to raise the standards of practice and service in the general insurance industry, including car insurance, travel insurance and home insurance. For more information, please download a copy of the General Insurance Code of Practice:

Download the General Insurance Code of Practice

Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371AFSL 238291. Any advice on this website is general advice only and does not take into account your individual circumstances. A product disclosure statement is available at bupa.com.au and should be considered before making any decision on this product. Bupa Australia Pty Ltd ABN 81 000 057 590 and Bupa Australia Health Pty Ltd ABN 50 003 098 655 (together Bupa) are authorised representatives of CGU.