At MyState Bank 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 Bank 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.

These products are issued by Insurance Australian Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Read MyState Bank's Financial Services Guide (FSG) for more information.

Key features

  • Easy payment options including pay-by-the-month at no extra cost
  • Apply easily online for Home and Contents Insurance
  • Listed Events - standard protection against fire or explosion, theft or attempted theft, lightning, 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

Get what you really pay for.

Free online quote

Get a free online quote or purchase your policy now.

Summary of 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 contact us.

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

We’re here to help

With over 50 years experience our local, friendly staff can help you find what you're looking for.


MyState Bank Limited (MyState Bank) ABN 89 067 729 195 AFSL 240896 acts under its own AFSL and under an agreement with the Insurance product issuer, Insurance Australia Limited ABN 11 000 016 722 (IAL) trading as CGU Insurance. Consider the appropriateness of any product to your own circumstances, IALs normal underwriting, terms and conditions, acceptance criteria apply. Consider IALs Product Disclosure Statement (PDS) available at mystate.com.au.

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