Insure your home and treat yourself.

The $150 Digital Gift Card offer (Offer) is available for the following insurance policies: ANZ Home Insurance and ANZ Landlord Insurance (Eligible Policies), and subject to the following conditions. The Offer is available for selected customers only who settle a home loan via an ANZ Mobile Lender and purchase an Eligible Policy by 31st December 2025, and hold the policy in accordance with the conditions described below. The Eligible Policy will be deemed purchased when the issuer of the Eligible Policy, Insurance Australia Group Pty Ltd, trading under the CGU brand, receives full payment of the annual policy premium, the first two instalments of premium, if paying by the month or the first four instalments of premium, if paying fortnightly. The Eligible Policy must not be lapsed or cancelled within 90 days of the Eligible Policy start date (Qualifying Period). The Offer does not include renewals of existing policies. When the customer has satisfied the Qualifying Period and these conditions, ANZ will automatically provide the customer’s name and email address to ANZ’s third party fulfilment partner to send the Offer to you regardless of your marketing preferences. ANZ’s third party fulfilment partner will send a redemption email to the customer on behalf of ANZ within 30 days, providing instructions on how the customer can access the Reward Code and redemption website to redeem the Offer. Customers are not required to take up the Offer if they do not wish to. If we cannot contact you via your email address, the redemption of the Offer will not be fulfilled and is withdrawn. The customer must redeem the Reward Code by 11:59 PM AEST on the expiry date stated in the redemption email. If the customer does not redeem the Reward Code during this time period, they will forfeit any entitlement to the Reward Code and Digital Gift Card. Note the Reward Code is not a Digital Gift Card. Only one Offer permitted per customer regardless of if the customer purchases multiple policies. The Offer is not redeemable for cash. Digital Gift Card terms and conditions apply and can be found in the Digital Gift Card redemption email or redemption website.

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.

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 (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.

CGU 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.

These calculators are an approximate guide only and you still need to check that the sum insured is appropriate for you.

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.

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.

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

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 (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.

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.