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Home » Home and Contents Insurance

Home and Contents Insurance

Your home is your most expensive purchase. Let CG safeguard your biggest investment and all of your cherished possessions it is filled with.

Home » Home and Contents Insurance

Renew Online & Save

Automatically receive a discount when you renew your Home and Contents policy through our online portal. It’s safe, easy, and convenient to use.

Home and Contents Insurance
Renew Online & Save
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GET A QUOTE

Get a free online quote to see how quality meets value with CG Home Insurance

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High quality meets high value

We offer home insurance that is customised to suit your needs. We also provide zero deductibles for most covered losses and generous bonus benefits without the need to pay more in premiums.

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Free claim resources without affecting your premium

Our experts handle claims quickly and with compassion. Should you want our advice but later choose not to make a claim, it will not impact your premium.

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Save more when you bundle with car insurance

Get an additional 10% savings on your home insurance premium when you bundle your policy with car insurance.

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Go green and get rewarded

Support the environment by going paperless. Renew and pay for your policy through our online portal and receive an automatic discount.

How CG Home Insurance can protect you

Building Protection

If a covered incident occurs, your policy pays to repair or rebuild your home and any attached structures like your garage or garden walls. It’s important to reevaluate your policy regularly to avoid being underinsured.

Example: Your roof caves in due to a windstorm and destroys your kitchen. We will pay for the repair of your roof and kitchen, up to your policy limits.

Contents Protection

Contents insurance will help you to repair or replace items that have been damaged or lost due to an insured event. This cover is recommended for both renters and homeowners.

Example: A fire damages your stove, kitchen table, refrigerator, and more. We will pay to repair or replace the items damaged in the fire up to your policy limits.

Loss of Rent and Alternative Accommodation Costs

If you are unable to live in your home due to an insured event, your policy will pay for you, your family and your pets to stay elsewhere whilst it is being repaired. If the house was rented out, cover is provided for lost rental income.

Example: A tree falls on your home and causes structural damage. We will pay for your hotel until repairs are completed, subject to your policy limits.

Liability Cover

Liability cover pays for expenses related to damage or injuries that you or your family member have caused to others while they are on your property.

Example: A mail carrier falls on your porch and injures themself. If you're found to be liable for the injury, we will cover the resulting costs up to your policy limits.

Get a Quote

Get cover for your building, your contents, or both

When you purchase CG home insurance, you can personalise your policy by selecting either of the covers below, or choose to bundle them together in one policy for added protection.

  • Choose the plan you would like to compare

    Most popular

    • Recommended for homeowners and renters

      • What’s covered

        • Household goods, furnitures, gardening equipments, clothing, valuables and more.

        • Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.

        • Liability Cover for renters and occupiers

        • Alternative accommodation costs

        • Personal possessions and sports equipments as optional add-on

      • Bonus benefits

        • Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures.

        • Refrigerated food that perishes during a power outage

        • Home entertainment equipments

      • What's not covered

        • Contents used for business or professional purposes

        • Limited covers apply when the property is unoccupied for more than 30 days*

        • Damage caused by pets, you or your household member

        • Damage if your home or part of it is sublet to others

      Get a Quote

      Limits, conditions, and exclusions may apply. *Read full terms in the policy.

    • Recommended for homeowners and landlords

      • What’s covered

        • Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.

        • Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.

        • Liability Cover for homeowners or landlords

        • Alternative accommodation costs

        • Accidental damage as optional add-on

      • Bonus benefits

        • Removal of debris following damage to your home

        • Professional fees for surveyors, architects, and legal fees.

        • Cost related to hiring a locksmith and the replacement of locks

      • What's not covered

        • Damage caused by pets, you or your household member

        • Damage to hedges

        • Limited covers apply when the property is unoccupied for more than 30 days*

        • Wear and tear and damage caused gradually

      Get a Quote

      Limits, conditions, and exclusions may apply. *Read full terms in the policy.

  • Choose the plan you would like to compare

    Most popular

    • Recommended for homeowners and renters

      • What’s covered

        • Household goods, furnitures, gardening equipments, clothing, valuables and more.

        • Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.

        • Liability Cover for renters and occupiers

        • Alternative accommodation costs

        • Personal possessions and sports equipments as optional add-on

      • Bonus benefits

        • Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures.

        • Refrigerated food that perishes during a power outage

        • Home entertainment equipments

      • What's not covered

        • Contents used for business or professional purposes

        • Limited covers apply when the property is unoccupied for more than 30 days*

        • Damage caused by pets, you or your household member

        • Damage if your home or part of it is sublet to others

      Get a Quote

      Limits, conditions, and exclusions may apply. *Read full terms in the policy.

    • Recommended for homeowners and landlords

      • What’s covered

        • Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.

        • Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.

        • Liability Cover for homeowners or landlords

        • Alternative accommodation costs

        • Accidental damage as optional add-on

      • Bonus benefits

        • Removal of debris following damage to your home

        • Professional fees for surveyors, architects, and legal fees.

        • Cost related to hiring a locksmith and the replacement of locks

      • What's not covered

        • Damage caused by pets, you or your household member

        • Damage to hedges

        • Limited covers apply when the property is unoccupied for more than 30 days*

        • Wear and tear and damage caused gradually

      Get a Quote

      Limits, conditions, and exclusions may apply. *Read full terms in the policy.

What our customers say

L James

I have been a client for just over a year and I have had nothing but friendly, efficient and professional services. Great prices also for vehicle insurance.

T Brown

Wonderful smiling friendly face at the reception, fast excellent service. Nice experience.

G Fernander

My husband and I have been customers for a number of years now and have always been pleased with the service. The team is very professional and responsive.

K A Gordon

Recently switched from another company with a higher cost and less benefits.

B Turner

Awesome rates, and great service!

M Butler

 Quotes were delivered on time, competitive and within budget. The customer service team is friendly and responsive. 

T Dolce

I’ve been using this company for some time now and they have never let me down.

Download forms

Application

Home Options Proposal Form
Home Options Household Contents Checklist

Claims

Home Claim Form

Policy

Home Options Policy

Frequently asked questions

Yes, we offer interest-free payments that can be made monthly, quarterly, or semi-annually.

Yes, we are happy to offer various deductible options for your policy.

Market price may consider the land value, while home insurance value considers only the cost of the actual home structure. Home insurance value is based on the rebuilding cost of your home, including walls, gates & fences, fixtures & fittings, solar panels, pools and more – but does not cover the land value.

Your bank/mortgage lender may be satisfied to insure only the amount left on the mortgage, in the event of a partial loss. However, underinsurance would be applied to the claim payment – which means that you may need to pay out of pocket to fully repair your home.

You can download a copy of your current Certificate and Schedule for Home Policy from our customer portal at hellocgi.com.

Hurricane protection is included as standard cover under our Home Insurance policy.

Do not wait to make temporary repairs that will prevent further damage. Be sure to take pictures of the damage as soon as possible, take photos of any temporary repairs you make, and save your receipts if you spent money on the repairs. Contact us as soon as possible so that a team member can help file your claim.

If a tree falls on your house, your home insurance policy will likely cover the cost to repair the damage and the cost to remove the tree. However, there are times when this might not be covered by your policy e.g. you are cutting down a tree yourself and it falls onto your roof. In any event it is important to contact us to speak with a team member as soon as possible.

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