Home & Contents Insurance

Whether you’re looking for basic or enhanced protection, La Trobe Financial has you covered. Our Home & Contents insurance products offer a broad range of protection and coverage options with the added flexibility of paying premiums with your regular loan repayments if you are one of our Borrower customers, or a frequency that suits your needs without the surcharge often applied by other insurers.* If you are an Investor or client or someone who just wants Insurance with personal service; either way would love to assist you.

* Additional transaction fees may apply for Bpay, cheque & credit card payments.

As an Authorised Representative of one of Australia’s leading insurers, CGU Insurance Limited, La Trobe Financial offers the following Insurance products.

The information below is a brief summary of just some of the features and benefits available when you insure your home & contents through La Trobe Financial.


Main Features & Benefits
The Home & Contents insurance policies provide cover for a defined range of events including fire, burglary, theft and storm damage.

  • Accidental damage or accidental loss  (only available with 'Accidental Damage Home' option only).
  • Accidental breakage (glass, mirrors, etc.)
  • Burglary or break in (forcible and violent entry)
  • Deliberate or intentional acts
  • Earthquake or Tsunami
  • Fire or explosion
  • Impact damage
  • Landslide or subsidence
  • Lightning or thunderbolt
  • Riots or civil commotion
  • Storm, flood, rainwater or wind
  • Vandalism or a malicious act
  • Water or liquid damage
  • Pay by the month at no extra cost
  • Combine premiums with your monthly La Trobe Financial Mortgage Repayment
Detailed comparison of Home & Contents options
Feature Option 1
Listed Events
Standard Coverage
Option 2
Accidental Damage
Enhanced Coverage
Accessories/spare parts for motor vehicles, motorcycles, mini bikes, caravans, trailers and watercraft. Up to $750 provided they are not in or on them. No cover away from home. Up to $750 provided they are not in or on them. No cover away from home.
Alternative accommodation. 10% of sum insured paid in addition to the sum insured, up to 12 months. 10% of sum insured paid in addition to the sum insured, up to 12 months.
Bicycles Covered as contents up to $20,000 unless specified. Covered as contents up to $20,000 unless specified.
Cameras, photographic equipment, video cameras (within the contents section) $2,500 per item, $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under valuables section of policy. $2,500 per item, $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under valuables section of policy.
Clothing & personal effects (within the contents section) $20,000 per item unless specified as a special contents item. $20,000 per item unless specified as a special contents item.
Computers & computer software – non-business use $20,000 limit unless specified as a special contents item. (Non-portable). Portable computers are covered up to $2,500 per item. Items in excess must be specified under the valuables section of the policy. $20,000 limit unless specified as a special contents item. (Non-portable). Portable computers are covered up to $2,500 per item. Items in excess must be specified under the valuables section of the policy.
Contents at your home Yes, covered Yes, covered
Contents at your home in the open air Yes, cover for theft, storm, rainwater and wind, a $2,000 limit applies. Yes, including theft, storm, rainwater and wind.
Contents away from your home Australia wide up to 90 days (does not include theft cover). Sporting equipment covered for permanent removal whilst kept in a clubroom. Australia wide up to 90 days (does not include theft cover). Sporting equipment covered for permanent removal whilst kept in a clubroom.
Contents in a commercial storage facility Yes, provided we agree to cover them. No cover for jewellery, money or negotiable documents. Yes, provided we agree to cover them. No cover for jewellery, money or negotiable documents.
Contents in transit (During & permanent removal) Yes, transported by a vehicle, up to $10,000 only for theft following violent or forcible entry, fire, collision or over turning of a vehicle. Yes, transported by a vehicle, up to $10,000 only for theft following violent or forcible entry, fire, collision or over turning of a vehicle.
Credit card and transaction card misuse Up to $5,000. Up to $5,000.
Debris removal & demolishing 10% of sum insured paid in addition to the sum insured 10% of sum insured paid in addition to the sum insured
Document Damage Maximum $1,000 to re-instate, reproduce or restore documents if they are damaged while in your buildings or a bank vault Maximum $1,000 to re-instate, reproduce or restore documents if they are damaged while in your buildings or a bank vault
Employees’ belongings Up to $5,000. Up to $5,000.
Fine art, paintings & works of art $20,000 limit unless specified as a special contents item $20,000 limit unless specified as a special contents item
Flood Yes, covered. Yes, covered.
Frozen Food Up to $500, following breakdown of freezer Yes, covered.
Funeral expenses Yes, up to $10,000 Yes, up to $10,000
Goods used to earn an income at home $5,000 at the home only $5,000 at the home only
Guests of visitors belongings Up to $5,000. Up to $5,000.
Jewellery, watches, furs, items containing gold/silver, stamp, coin, medal collections (within the contents section) $2,500 per item, $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under the valuables section of the policy. $2,500 per item, $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $2,500 must be specified under the valuables section of the policy.
Legal costs in Australia Legal costs & expenses you are liable to pay following legal proceedings brought by you or against you in Australia – limit $5,000. Restrictions apply, please refer to the relevant PDS for more information. Legal costs & expenses you are liable to pay following legal proceedings brought by you or against you in Australia – limit $5,000. Restrictions apply, please refer to the relevant PDS for more information.
Liability cover Up to $20 million person liability worldwide up to 90 days. Up to $20 million person liability worldwide up to 90 days.
Liability cover – when your buildings are a total loss Liability cover continued for up to six months after buildings destroyed. Liability cover continued for up to six months after buildings destroyed.
Media purchased online (music, software and video) – personal use only Yes, up to $20,000. Yes, up to $20,000.
Modifications of your buildings Yes, if you are injured causing paraplegia or quadriplegia, up to $10,000 to cover the cost of modifications. Yes, if you are injured causing paraplegia or quadriplegia, up to $10,000 to cover the cost of modifications.
Money & negotiable documents Yes, up to $750. Yes, up to $1,250.
Mortgagee discharge costs Paid in addition to sum insured. Paid in addition to sum insured.
Musical Instruments $20,000 limit unless specified as a special contents item. $20,000 limit unless specified as a special contents item.
New-for-old Replacement cover (contents) Yes. Yes.
Office & surgery equipment – business only $10,000 at the home and includes valuable items able to be powered by battery up to $2,500 per item unless listed as a special valuable. $10,000 at the home and includes valuable items able to be powered by battery up to $2,500 per item unless listed as a special valuable.
Rebuilding fees – Architects’, surveyors and legal fees 10% of sum insured paid in addition to sum insured. 10% of sum insured paid in addition to sum insured.
Replacing keys and repairs to and recoding of locks & barrels Up to $1,000. Unlimited (including loss of key).
Sale of your home Cover extended to purchaser Cover extended to purchaser
Security firm to monitor your home Up to $1,000 (excluding false alarms). Up to $1,000 (excluding false alarms).
Sporting equipment (within the contents section) $3,000 per item, pair or set up to $5,000 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $3,000 must be specified under the valuables section of the policy. $3,000 per item, pair or set up to $7,500 in total or 20% of the contents sum insured, whichever is greater. Items in excess of $3,000 must be specified under the valuables section of the policy.
Storage costs Yes, cover the reasonable costs to remove and store contents for up to 12 months. Yes, cover the reasonable costs to remove and store contents for up to 12 months.
Storm cover to wooden gates, fences, etc. Yes, up to 15 years old or less. Yes, up to 15 years old or less.
Sum Insured (Consumer Price Index) Buildings and contents sum insured increased by the amount the Consumer Price Index has increased. Buildings and contents sum insured increased by the amount the Consumer Price Index has increased.
Taxation audit If your personal financial affairs are audited by the Federal Commissioner of Taxation, we will cover any accountant’s fees that you must pay as a result, up to $5,000 (inclusive of GST) during your period of Insurance. If your personal financial affairs are audited by the Federal Commissioner of Taxation, we will cover any accountant’s fees that you must pay as a result, up to $5,000 (inclusive of GST) during your period of Insurance.
Trees, plants and shrubs replacement $750 for trees, plants & shrubs if stolen, burnt, maliciously damaged or damaged by a vehicle. $1,500 for trees, plants & shrubs if stolen, burnt, maliciously damaged or damaged by a vehicle.
Unregistered motorcycles or mini-bikes up to 125cc Yes, up to $20,000 unless they are being used for racing or pace making. Yes, up to $20,000 unless they are being used for racing or pace making.
Unregistered motorised golf buggies, ride on mowers & wheelchairs Yes, up to $20,000. Yes, up to $20,000.
Veterinary expenses Up to $500 for pets injured for a road accident Up to $500 for pets injured for a road accident
Watercraft Only if less than 4 metres long and not powered by either a motor, or a motor less than 10hp. Watercraft covered up to $5,000. Only if less than 4 metres long and not powered by either a motor, or a motor less than 10hp. Watercraft covered up to $5,000.
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Home & Contents Insurance

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Landlords Insurance

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Commercial Property Insurance

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La Trobe Financial Services Pty Limited ABN 30 006 479 527 is an authorised representative of the product issuer, insurer CGU Insurance Limited ABN 27 004 478 37.
This page contains general advice only and may not suit your particular circumstances. Before making decisions about insurance products it is important for you to read the Product Disclosure Statement ("PDS") accompanying each product before you make an insurance decision and you should consider carefully whether or not the insurance available is appropriate for you.