At MyState we understand that everyone is unique, therefore people need different types and levels of Home Insurance cover. So no matter if you need generous ‘new for old’ replacement Home Insurance cover; alternate accommodation for up to 12 months; cover for paintings, tapestries and other works; or just about anything else, we have the Home Insurance cover to suit you.
CGU Home Insurance policies through MyState cover more than you expect. In addition to our competitive rates and flexible premium payment options, our Home Insurance policies also provide cover for frozen foods and misuse of credit cards.
Key features of Home and Contents Insurance
- Easy payment options including pay-by-the-month at no extra cost
- Apply easily online for Home and Contents Insurance
- Discount on Home and Contents Insurance premiums for MyState customers, over 50’s and multiple policy holders
- Listed Events - standard protection against fire or explosion, theft or attempted theft, lightening, earthquake, storm, rainwater or wind damage, and even a vehicle running into your home.
- Additional Home and Contents Insurance cover for valuables – cover for precious valuables, including jewellery and cameras
Online Quote
Summary of Home and Contents Insurance key benefits
Use the table below to find out the key benefits of our Home and Contents Insurance to decide which cover is best for you. If you need assistance or more information, please call us on 138 001, drop into your nearest MyState Branch, or contact us via email.
| Key benefits
|
Accidental Damage
|
Listed Events
|
| Accidental Damage cover |
Yes
|
Fixed glass and windows only
|
| Accidental Loss cover |
Yes
|
No
|
| Electrical burnout of motors and pumps less than 15 years old |
Yes
|
Yes
|
| Replacement of keys and repair and re-coding of locks and barrels for either external doors or windows |
Unlimited
|
Up to $1,000
|
| Money and negotiable documents |
Up to $1,200
|
Up to $750
|
| Credit card loss liability |
Up to $5,000
|
Up to $5,000
|
| Works of art including paintings and rugs |
Up to $20,000 per item, unless specified separately
|
Up to $20,000 per item, unless specified separately
|
| Loss of frozen foods as a result of domestic freezer failure |
Unlimited
|
Up to $500
|
| Loss of frozen food from any cause |
Unlimited
|
No
|
| No loss sharing penalty for underinsurance |
Yes
|
Yes
|
| New for old contents cover |
Yes
|
Yes
|
| Liability cover |
$20 million
|
$20 million
|
| Monthly payment option |
Yes
|
Yes
|
| Australia wide: |
| - Bicycles |
Yes
|
No
|
| - Mobile phones (up to $2,500) |
Yes
|
No
|
| - Photographic equipment (up to $2,500) |
Yes
|
No
|
| - Camping equipment |
Yes
|
No
|
MyState Financial Limited (MyState) acts under its own AFS Licence Number and under an agreement with CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU). Before making decisions about the insurance products you should consider the appropriateness of the information having regard to your circumstances and the Product Disclosure Statement (PDS). CGU’s normal underwriting terms and conditions and acceptance criteria apply. Terms and conditions apply.