Australian Military Bank’s Plus options add some meaningful cover features, but they are not one all-in bundle: Building Plus and Contents Plus have different inclusions, and portable items and increased cover for valuable items remain optional. The bank advertises a 25% building safety net and up to two years of temporary accommodation for Building Plus; Contents Plus includes accidental damage and electrical motor burnout automatically. Whether the policy suits a household depends on the sums insured, optional cover selections and the terms in the applicable policy documents.
What does Australian Military Bank Home Buildings and Contents Plus cover?
Australian Military Bank presents home insurance as separate Building and Contents cover, each with Standard and Plus tiers. The bank names CGU in its product description. Its comparison table lists insured events across the cover columns, including fire, flood or rainwater run-off, storm, storm surge or tsunami, theft or attempted theft, earthquake, escape of water or liquid, impact and accidental breakage of glass. The extent of cover can vary by the cover selected; the applicable Product Disclosure Statement (PDS) sets out detailed terms, limits and exclusions.
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Building Plus
Building Plus advertises a safety net of 25% above the building sum insured if the home needs repair or rebuilding. It also advertises up to two years of temporary accommodation, compared with 12 months for Building Standard, and higher limits on some inclusions, such as landscaping. These benefits remain subject to policy terms, limits and conditions.
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Contents Plus includes accidental damage and electrical motor burnout automatically. Those benefits are optional under Contents Standard. Contents Plus also advertises up to two years of temporary accommodation and higher limits on some benefits, including food spoilage. Check the PDS and policy schedule for the conditions and limits that apply.
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See the bank’s Home Insurance page for its current product description and tier comparison.
Is accidental damage included?
It is included automatically with Contents Plus, according to the bank’s comparison; under Contents Standard, it is an optional benefit. This distinction applies to contents cover, so do not assume it means accidental damage to the building is included. Check the relevant PDS and schedule for what qualifies as accidental damage and any exclusions or limits.
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Does Building Plus cover underinsurance?
The advertised 25% safety net provides a margin above the building sum insured, but it does not remove the need to estimate the home’s full rebuilding cost. Australian Military Bank says its calculator is only a guide and places responsibility on the customer to insure for the full replacement value. It also says that if a building or contents sum insured is higher than the actual repair, replacement or rebuilding cost, CGU will pay only that actual cost. Set the sum insured carefully and check the safety-net terms in the PDS rather than treating the extra 25% as a substitute for an accurate estimate.
How long is temporary accommodation covered?
The bank advertises up to two years for Building Plus and Contents Plus; Building Standard is shown as providing 12 months. “Up to” is not a guarantee that accommodation costs will be paid for the entire period: the applicable terms, limits, claim circumstances and policy schedule govern the benefit. Confirm those details in the PDS that applies to your quote or policy.
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Are jewellery and portable items covered?
The bank describes unspecified Valuable Contents as having a combined total limit of $2,500 for works of art, collections, jewellery and watches. Its optional Valuable Contents benefit can increase cover for eligible items. Portable Contents is also listed as optional cover for items taken outside the home, so Plus does not mean all valuable or away-from-home belongings are automatically covered.
Before relying on cover for a particular item, check the PDS and schedule for definitions, item-specific sublimits, listing requirements and conditions. The bank’s comparison also identifies differences by tier for benefits such as contents in storage, food spoilage and landscaping.
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What should you check before choosing Plus?
- Building and contents sums insured: estimate the full rebuilding and replacement costs rather than relying on the bank’s calculator alone.
- Optional benefits: decide whether you need Portable Contents or increased Valuable Contents cover, and confirm the selected options appear on your quote or schedule.
- Limits and conditions: compare temporary accommodation, landscaping, food spoilage and other relevant sublimits in the applicable PDS.
- Excesses and exclusions: review the PDS and schedule for the excess choices and exclusions that apply to your cover.
- Like-for-like price: compare actual quotes for the same property, sums insured, cover selections and excess. The bank’s advertised features alone do not establish which policy is best value for a particular household.
Australian Military Bank lists a Home and Contents Insurance PDS on its disclosure-documents page, but the version and effective date are not established by that listing. Use the PDS provided for your quote or policy, together with its schedule, as the governing reference for detailed terms, exclusions and excesses.
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The bank says eligible policies purchased or renewed after 16 June 2025 can be changed online for certain settings, including excess amounts and optional benefits. It also advertises online claims at any time and fortnightly, monthly or quarterly payment options without extra cost. Because eligibility and operational terms can change, verify the available options and current claim channels with the bank when arranging or managing cover.
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