Coastline Bank’s Home Buildings and Contents Plus policy stands out for an additional building safety net of 25% and temporary accommodation of up to two years, subject to policy limits and claim conditions. The cover is Coastline Bank-branded and issued by Insurance Australia Limited under the CGU brand. It also has important qualifications: action of the sea is excluded, waiting periods apply to some events, and contents benefits can have sublimits. A price or value verdict is not possible from the published review because it does not include premium data.
What does Coastline Bank Home Buildings and Contents Plus cover?
The policy combines home building and contents insurance with nominated sums insured for each. CHOICE identifies Insurance Australia Limited as the provider; Coastline says the cover is offered with CGU Insurance. In practical terms, it is Coastline Bank-branded cover issued by Insurance Australia Limited under the CGU brand. The certificate of insurance and current Product Disclosure Statement (PDS) govern the contract.
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CHOICE lists cover for events including fire and bushfire, flood and rainwater run-off, storms, cyclone, storm surge, tsunami, explosion, earthquake, theft and vandalism. These are not blanket guarantees: policy definitions, waiting periods, exclusions and claim conditions determine whether a particular loss is covered.
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Coastline describes an extra 25% above the building sum insured for eligible repair or rebuilding claims. Its product page says: “A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.” This safety net is not a guarantee that the selected sum will meet every reconstruction cost. Check the current PDS for how it applies and which costs remain subject to separate limits.
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Liability cover
CHOICE lists legal liability cover up to $20 million for named insureds and resident family members in incidents in Australia. The circumstances, definitions and exclusions in the current PDS determine how that limit applies.
Does Coastline home insurance cover flood?
Flood is among the events CHOICE lists as covered, but a 14-day waiting period is listed for flood. The policy definition and circumstances of the loss matter, so check the current PDS rather than relying on the event name alone.
Rank #2
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Is storm surge covered?
Storm surge appears among the events CHOICE lists as covered. CHOICE lists a 72-hour waiting period for storm and storm surge, and Coastline separately says action of the sea is not covered. These terms are not interchangeable: a listed storm-surge benefit does not mean all coastal water or wave damage is insured. Check the PDS definitions and exclusions for the cause of any particular damage.
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Does Coastline home insurance cover action of the sea?
No. Coastline’s product page states: “CGU don’t cover actions of the sea, such as tides and waves.” CHOICE also marks action of the sea as not covered. This exclusion is an important qualification for coastal properties, even though storm surge is listed as a covered event.
Rank #3
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How much temporary accommodation is included?
Coastline advertises temporary accommodation for up to two years if the home cannot be lived in after a covered event. CHOICE specifies a limit of up to 24 months or 20% of the building sum insured, paid on top of that sum, and says it applies after a building-damage claim. The duration is therefore not an automatic two-year payment for every claim; the applicable cap and eligibility depend on the policy terms.
What contents limits and optional cover should I check?
Several listed benefits have their own caps or conditions. The figures below are from CHOICE’s review; confirm the current PDS for exact wording and applicability.
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| Benefit | Limit or condition listed by CHOICE |
|---|---|
| Optional unspecified portable contents | For certain item groups, theft and accidental loss or damage; up to $10,000 per item, subject to group limits, conditions, geographic limits and a $250 excess. |
| Food spoilage | Up to $2,000 for spoiled food and prescription medication in specified circumstances involving an insured-event electricity interruption or motor burnout; paid on top of the contents sum insured. Refrigerator or freezer damage is excluded. CHOICE says no excess applies when the claim relates only to spoilage. |
| Gardens and landscaping | Up to $3,000 overall. |
| Jewellery, artworks and collections | Up to $2,500 overall for each category. |
| Open-air contents | Up to 20% of the contents sum insured. |
| Temporary storage of contents | Up to 24 months. |
The portable-contents figure is not automatic cover of every item up to $10,000: only certain item groups qualify, and category limits and conditions apply. Compare the limits with the items you actually need insured.
What waiting periods, exclusions and property conditions matter?
Waiting periods
CHOICE lists a 14-day waiting period for flood and 72-hour waiting periods for rainwater run-off, storm and storm surge, and bushfire and grassfire. The PDS determines how these waiting periods apply to the circumstances of a policy and claim.
Best Value
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Earth movement and property features
CHOICE lists exclusions involving erosion, deterioration, collapse, shrinkage or other earth movement. For the described flood or storm cover, it also identifies retaining walls, bridges and gravel driveways, pontoons and jetties, and some poorly maintained fences or walls as not covered. These exclusions should not be assumed to apply identically to every event; check the relevant wording in the PDS.
Theft, vandalism and unoccupied homes
CHOICE says theft and vandalism by the insured, family, residents or people who enter with their consent are excluded. It also says the insurer must be told if the home will be unoccupied for more than 60 days, and lists upkeep and weekly-checking requirements. Treat these as policy conditions to verify for your circumstances, not general rules for other insurers.
How much is Coastline home insurance?
The public review does not provide premiums. CHOICE says it scored the policy on cover only because the insurer does not share price data, so the available information cannot establish whether this policy is cheap, expensive or good value. Your premium depends on a quote for your property and circumstances.
For a meaningful comparison, obtain quotes using the same household and property assumptions, then compare the premium and excess alongside building and contents sums, safety nets, event definitions, waiting periods, temporary-accommodation limits, portable-item caps and exclusions. Feature counts alone do not show which policy is more suitable.
Quick Recap
What to check before deciding
- Get the current PDS and certificate of insurance, and confirm that their terms match the cover being quoted.
- Check the premium and each applicable excess for your property and circumstances.
- Set building and contents sums insured using your own needs; do not treat the 25% building safety net as a replacement for an appropriate rebuild estimate.
- Review how flood, rainwater run-off, storm surge and action of the sea are defined and excluded for your property.
- Check category and item limits against the contents you need to insure, including whether portable cover is optional.
- Confirm any relevant property conditions, including unoccupied-home requirements and maintenance-related exclusions.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
