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Horizon Bank’s Building & Contents Plus stands out for a 25% building safety net above the selected sum insured and up to two years of temporary accommodation after a covered event. Those features may matter if a home is damaged, but they do not establish that the policy is good value: premiums, excesses and detailed terms depend on an individual quote and policy documents.
Horizon Bank distributes the insurance, which is issued by Insurance Australia Limited under the CGU brand. This review explains what the bank’s public summary says, where its limits are, and what to verify before choosing Plus.
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What Building & Contents Plus adds
Horizon Bank says its Plus option adds three main benefits compared with standard Building & Contents cover. The product page is undated; these descriptions are attributed to Horizon Bank and were accessed in 2026.
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| Feature | Building & Contents Plus | Standard Building & Contents | What to verify |
|---|---|---|---|
| Building safety net | 25% above the building sum insured for repair or rebuilding after a covered event | No equivalent safety net stated on the product page | How the safety net is applied, what costs qualify and its conditions in the PDS |
| Temporary accommodation | Up to two years if the home cannot be lived in after a covered event | Up to 12 months | Eligibility, limits, covered circumstances and when the period starts |
| Some inclusion limits | Higher limits on some inclusions, including food spoilage and landscaping | Lower limits implied, but exact figures are not stated on the product page | The actual sublimits in the PDS and Certificate of Insurance |
The 25% safety net is an additional buffer, not a substitute for choosing a suitable building sum insured. Horizon says its calculator is a guide and the customer is responsible for insuring the home for its full replacement value. It also says that if the insured amount exceeds the cost to repair, replace or rebuild, CGU pays the actual cost of that work.
#1 Best Overall
- Read Before You Buy — No Video Output: These adapters support charging and USB 2.0 data transfer, but cannot transmit video signals. Except for standard USB webcams (which use USB data only), they are not compatible with HDMI/DisplayPort cables, video-capable USB-C hubs, or docking stations with video output.
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- 12-Month Warranty: Backed by a 12-month manufacturer warranty for peace of mind. Designed to meet strict quality control standards for reliable everyday performance.
What the public summary says is covered
Horizon’s product page lists cover for a range of events and expenses, including theft and vandalism, flood, rainwater run-off, storm, storm surge, tsunami, fire including bushfire, rebuilding after a covered event, temporary accommodation and emergency repairs. It also identifies visitors’ belongings up to $2,500 and some legal liability up to $20 million.
These are summary-level descriptions, not a guarantee that a particular loss is covered. The applicable PDS and Certificate of Insurance set out the terms, exclusions, excesses and limits for the policyholder’s cover.
Rank #2
- 5-in-1 USB-C Hub: Experience comprehensive connectivity featuring a Power Delivery input, two USB-A 2.0 ports, a USB-A 3.0 port, and an HDMI port. (Note: The USB-C power delivery input port is only for connecting an external wall charger to power your laptop and cannot power peripheral devices.)
- 90W Pass-Through Charging: Achieve optimal charging with 90W pass-through power to your laptop, supported by a total input of 100W, with the hub reserving 10W for operational efficiency. (Note: Wall charger not included.)
- Quick Data Transfers: Accelerate your productivity with rapid data transfers using a high-speed 5Gbps USB 3.0 port and two 480Mbps USB 2.0 ports.
- 4K HDMI Display: Enhance your visual experience with a hub capable of delivering 4K resolution at 30Hz in both mirror and extend modes. Please note that this hub is compatible with MacBook (macOS 12 and newer), Windows 10 and 11, ChromeOS, and laptops equipped with DP Alt Mode and Power Delivery. Note: This device is not compatible with Linux.
- What You Get: Anker USB-C Hub (5-in-1, 4K HDMI), welcome guide, 18-month warranty, and our friendly customer service.
Optional and Plus-tier features
The page identifies accidental damage, valuable contents, motor burnout and portable contents among the available features. Horizon says accidental damage can be added to the standard policy and is automatically included if the customer upgrades to Building Plus. Check which insured section a feature applies to and its exclusions before relying on it for a particular claim.
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- Sea-related damage: Horizon says actions of the sea, such as tides and waves, are not covered.
- Portable contents: The summary describes cover for loss, theft and accidental damage, with a default limit of up to $10,000 per item unless the item is separately listed for more. Other limits, exclusions and geographic qualifications apply.
- Motor burnout: The stated feature is limited to motors up to 15 years old and excludes motors under warranty or used in a business.
- Accidental damage while in use: Sporting and fishing equipment, musical instruments and firearms are excluded from accidental-damage cover while in use. Further activity-specific portable-contents exclusions are also listed.
- Excesses: An excess may apply; check the Certificate of Insurance for the amount and when it applies.
Is the 25% safety net enough?
It can provide a margin above the selected building sum insured if repair or rebuilding costs after a covered event exceed that amount. But the buffer does not make an inaccurate estimate harmless: Horizon places responsibility for full replacement-value cover on the customer, and the safety net has policy conditions that need checking.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
- Double Up on Efficiency: The two USB-A 3.0 ports and a USB-C port support a fast 5Gbps data rate, significantly boosting your transfer speeds and improving productivity.
- Fast and Reliable 85W Charging: Offers high-capacity, speedy charging for laptops up to 85W, so you spend less time tethered to an outlet and more time being productive.
- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
Use the calculator as a starting point, then consider whether the estimate accounts for the home’s construction and the cost of rebuilding it. Confirm how the PDS treats the safety net and whether structures or features important to your property are included in the building cover. The online summary does not establish every detail needed to calculate an appropriate sum insured.
Repairer choice and claims
Horizon says customers may choose their own repairer. If they do not use a CGU partner repairer, CGU will not guarantee the completed workmanship or manage the repairer’s timing or quality, and will pay only what it considers the fair and reasonable cost of the repair. The page says CGU provides a lifetime workmanship guarantee for authorised repairs, so the guarantee should not be assumed to apply to every repair arrangement.
Rank #4
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- Broad Compatible: The usb c to usb adapter widely supports all USB C/ USB A devices like laptops, tablets, cellphones, car chargers, and phone chargers. Such as compatible with MacBook Pro/Air 2023/2022, Thunderbolt 4/3 Devices,Apple MagSafe Watch 9/8/7/SE/Ultra, iPad Pro 2022/2021, Samsung Galaxy S23/S20/S10, and iPhone 17/16/15 Pro. Plug and play
- Please Note: To reach 10Gbps speed, keep the cable under 3.3 ft. For USB A Male to USB C adapters, try flipping the USB C connector. USB C Male to USB A adapters support bidirectional 10Gbps transfer within 3.3 ft
Before choosing a repairer, check the claims process and the policy wording for the relevant work. The public summary does not provide independent claims-testing results or evidence about policyholder outcomes.
Who issues the policy, and what does the bank disclose?
Horizon Bank distributes the cover and says it acts under its own Australian Financial Services Licence and an agreement with the issuer. Its Financial Services Guide, effective 23 April 2025, identifies Insurance Australia Limited as the provider under the CGU brand and says Horizon receives commission of 5% to 25% of the premium paid for each insurance policy. That is the bank’s disclosed distribution commission; it does not establish anything about a publisher referral arrangement.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
- What You Get: Anker 332 USB-C Hub (5-in-1), welcome guide, our worry-free 18-month warranty, and friendly customer service.
How to compare it with another home policy
No premium is stated on the public product page, and a suitable price comparison requires an individual quote. Compare policies using the same property details and cover settings rather than treating a headline feature as a verdict.
- Price: Compare quotes for the same address, building construction, contents, sum insured, excess and optional covers.
- Sum insured: Check the replacement-cost estimate, how any safety net works and which structures and contents are included.
- Events and exclusions: Compare the wording for flood, storm, bushfire, actions of the sea and accidental damage, along with any waiting periods.
- Sublimits: Check valuables, portable contents, food spoilage, landscaping, visitors’ property and temporary accommodation.
- Claims and repairs: Compare repairer choice, workmanship guarantees, emergency support and how repair costs are assessed.
- Excess and eligibility: Use the quote and Certificate of Insurance; the general product summary does not establish these for an individual policy.
What CHOICE’s separate review can—and cannot—tell you
CHOICE’s accessible review is for Horizon Bank Home Contents Plus for strata owners, a distinct contents product rather than the combined Building & Contents Plus policy discussed here. CHOICE describes that strata product as a standard sum-insured white-label IAG policy and says its cover is identical to policies sold by other brands in its comparison, though prices may differ. CHOICE says the page has no expert rating.
CHOICE lists details for that strata contents product including up to $20 million liability, a 14-day flood waiting period, and temporary accommodation up to 24 months or 20% of the sum insured. Those figures should not be treated as terms of the combined policy without confirmation in its PDS. A CHOICE search result also characterises the combined product as a sum-insured policy with a 25% building underinsurance safety net, but the full comparison page was unavailable; it does not establish a score, price or full policy details.
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The bank’s summary is useful for identifying headline features, but it cannot answer every policy-specific question. The linked CGU PDS was not accessible from the product page during review, so exact combined-policy sublimits and detailed contract terms could not be verified here.
Quick Recap
- Read the current PDS for the combined buildings-and-contents policy, focusing on definitions, exclusions, event cover, excesses, sublimits and temporary-accommodation conditions.
- Check the Certificate of Insurance for your selected sum insured, excess, optional cover and any listed items or endorsements.
- Get a quote using your actual property and contents details; the public summary does not provide an individual premium.
- Ask the insurer to clarify any term that affects your decision, particularly the safety-net calculation, repairer arrangements or a specific item’s limit.
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.
