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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchBank of us Home Buildings and Contents Standard combines building and contents cover, but some useful protections are optional rather than included. The provider’s summary identifies accidental damage at home and electrical motor burnout as optional on Standard, while its Plus tier includes them automatically. Whether Standard is suitable depends on the policy terms, your property and belongings, and the premium and excess quoted for your circumstances.
What this review can—and cannot—establish
This is a review of the Australian Building and Contents Insurance Standard option described by Bank of us, not a hands-on test or assessment of claims. Bank of us identifies Insurance Australia Limited as the issuer under the CGU brand. Bank of us says it acts under agreement with the issuer, receives commission on insurance products, and does not guarantee any claim or benefit payable under the policy. Bank of us home insurance information.
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The official summary describes headline benefits, but it is not a substitute for the Product Disclosure Statement (PDS), your policy schedule or any endorsements. The PDS and the Premium, Excess & Discounts Guide were not accessible from the linked documents; the summary itself directs customers to the PDS for full conditions, limitations and exclusions. Consequently, the actual premium, excess, claim conditions and full exclusions cannot be assessed from the available summary. Bank of us home insurance information.
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Bank of us presents building and contents as separate options that can be combined. Its comparison page lists Building Plus, Contents Plus, Building Standard and Contents Standard. The page identifies accidental damage at home and electrical motor burnout as optional benefits for Standard; both are shown as automatically included for Plus. Check the policy wording and quote to establish exactly what is selected and covered.
#1 Best Overall
| Feature | Standard | Plus |
|---|---|---|
| Accidental damage at home | Optional | Automatically included |
| Electrical motor burnout | Optional | Automatically included |
| Safety net over sum insured | No safety net stated in the accessible summary | 25% extra over the sum insured, according to CGU’s summary |
| Temporary accommodation | Up to 12 months, according to CGU’s summary | Up to two years, according to CGU’s summary |
The tier differences and figures above come from CGU’s provider summary on the Bank of us site, which did not state a publication or update date and was accessed on 7 October 2026. They are headline descriptions, not a guarantee of payment in a particular claim. Confirm current terms, eligibility, limits and how the safety net applies in the PDS and policy schedule. Bank of us home insurance information.
How to judge the building sum insured
Choose a building sum insured that reflects the cost to rebuild, not the property’s sale price or land value. Bank of us says its online replacement-cost calculation is a guide and that the customer is responsible for insuring the home for its full replacement value. The page also says that if the home is insured for more than the cost to repair, replace or rebuild, CGU pays only the actual cost. Bank of us home insurance information.
As the provider’s FAQ puts it, “The calculation provided is just a guide.” Use the calculator as an input, not a substitute for checking what a rebuild would involve for your home. Ask how the policy treats rebuilding costs, debris removal, professional fees and any other relevant items, then verify the applicable terms in the PDS and schedule.
Contents, portable items and visitors’ belongings
Portable contents
Portable contents cover is optional under Standard, according to the provider summary, and may cover eligible items taken outside the home. The stated limit is up to $10,000 per item unless the item is separately listed for more. The summary also refers to other limits, exclusions and territorial rules; it says certain items are excluded while in use, and scratches or dents and items being cleaned or repaired are not covered. These are summary descriptions, so check the PDS for the complete definitions and exclusions before relying on cover for a particular item. Bank of us home insurance information.
Visitors’ belongings and liability
The combined-policy page states a $2,500 limit for visitors’ belongings and a $20 million liability limit in the situations it describes. These are provider-stated headline limits, not a promise that every loss or liability claim is covered up to those amounts. The policy wording and claim circumstances determine whether cover applies. Bank of us home insurance information.
Repairs and your choice of repairer
Bank of us says customers can choose a repairer. If you use a repairer outside CGU’s partner network, however, CGU says it will not guarantee that repairer’s workmanship or manage the repairer’s timeframes and quality. The provider says it will pay only the fair and reasonable amount the repairs should cost. For authorised repairs, the page states a lifetime workmanship guarantee. Check the claims wording for how repair approval, estimates and settlement work before choosing a repairer. Bank of us home insurance information.
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What to compare before choosing Standard
Do not decide on tier name alone. Compare a quote for the actual property against the cover and terms you need. The official summary does not establish your premium or excess, and the inaccessible policy documents prevent a full assessment of exclusions and claim conditions.
- Whether accidental damage at home and electrical motor burnout are included or selected as optional cover.
- The temporary accommodation period and the conditions that trigger it.
- Your building and contents sums insured, including the precise operation of any Plus safety net.
- Whether portable contents cover is selected, and the limits and exclusions for valuable items.
- The premium and excess quoted for your property and chosen cover.
- Exclusions, natural-hazard wording, claim settlement options and repair conditions in the current PDS, guide and policy schedule.
The official Bank of us pages were accessed on 7 October 2026; their publication or update dates were not stated. Confirm that the documents and quote you receive are current and apply to your policy before buying or making a claim.
Quick Recap
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