Home and Contents Insurance

Our home insurance can cover you for almost everything from replacing the cost of a camera you accidentally lost to rebuilding your entire home in the event of a fire.

Features include:

  • Pay by the month at no extra charge
  • New-for-old cover for contents
  • Motor Burnout (fusion) cover automatically included (1)
  • Valuable items cover (incl. jewellery, sporting equipment and portable electronic equipment) as part of contents cover (1)
  • Open air cover for valuables (1)
  • Cost of alternative accommodation covered (for up to 12 months) (1)


Compare our home insurance products

First Choice Accidental Damage First Choice Listed Events
Accidental loss or accidental damage cover Yes No
Electrical burn out of domestic motors Yes
(up to 15 years old)
(up to 15 years old)
Replacement benefit for buildings Yes
New for old cover for contents Yes
New for old cover for carpets Yes
Food spoilage Covered Up to $500 following breakdown of freezer
Money etc Up to $1,250 Up to $750
Open air cover Covered Theft and storm - $2,000 limit
Cover for contents when away from home (for up to 90 days) Yes, in Australia and New Zealand Yes, in Australia
Valuable items cover automatically included in Contents cover (including jewellery, sporting equipment and portable electrical equipment) Total of $7,500 or 20% of the contents sum insured (whichever is greater) Total of $5,000 or 20% of the contents sum insured (whichever is greater)
Paintings, works of art, electronic equipment $20,000 per item $20,000 per item
Liability cover $20 million $20 million
No average/co-insurance clause where you contribute to claims if you are underinsured Yes


Like what you see?

If you think our home insurance policy is right for you then give us a call on 13 29 30 or drop into your local branch and we can provide you with more information. Alternatively, arrange a call back or get an instant quote online.

Insurance CGU Home and Contents

(1) Limits and conditions apply, please refer to your First Choice Home Insurance PDS for full terms and conditions

Product Disclosure Statement - Generic

QT Mutual Bank ABN 83 087 651 054 (QTMB) AFS Licence No. 241195 acts under its own Australian Financial Services Licence and under an agreement with the insurer, CGU Insurance Limited ABN 27 004 478 371 (CGU) AFSL 238291. CGU First Choice Home and Contents Insurance, Landlords Residential Property Insurance, Car Insurance, Motorbike, Caravan and Boat Insurance and Travel Insurance are issued by CGU. This is general advice and does not take into account your objectives, financial situation or needs ( your “personal circumstances”). You can get a Product Disclosure Statement (PDS) for any of these products from any office of QTMB or CGU. Before acting on this information, consider whether it is right for you. You should read the relevant PDS before making a decision.

Product Disclosure Statement - Generic

You can get QTMB’s Financial Services Guide (FSG) from any office of QTMB. You should consider the FSG in deciding whether to buy or hold the relevant products.

My husband and I refinanced our mortgages to QTMB about two and a half years ago. The branch staff were very helpful, and sorted out the loan for the house we now live in, and helped us turn our second property into an investment property.

Charlotte and Michael.