Home and Contents Insurance

Home Home and Contents Insurance

A home is a big purchase—make sure you’ve got it covered. Have peace of mind everyday knowing that your home and valuables are protected.

Home Home and Contents Insurance

Home or Valuables Lost?

A catastrophic event doesn’t have to cost you everything. We’re here for you if you need to make a claim on your home or its contents.

Home Home and Contents Insurance

Renew Online & Save

When you renew your Home and Contents policy online, you receive a discount—giving you a little extra cash to start turning your house into a home.

Home and Contents Insurance

Home or Valuables Lost?

Renew Online & Save

GET A QUOTE

Free quote, great cover

Where quality and value meet

CG Atlantic’s home cover plans are customised just for you. Plus there are no deductibles for most covered losses and extra benefits that won’t raise your

Deductible options that work for you

Improve your premium by choosing a deductible that’s right for you. There is no deductible for non-hurricane claims.

Free Claims Advice

Need advice before making a claim? Don’t worry, we're here to help make sure you understand your cover and that the process is seamless.

Go Paperless and Get Rewarded

When you renew and pay your policy through our online portal, you not only get an automatic discount, but you’re also helping to save our planet.

Completely cover your home - inside and out

Building Protection

If a covered incident occurs, your policy pays to repair or rebuild your home and any attached structures like your garage or garden walls. It’s important to reevaluate your policy regularly to avoid being underinsured.

Example: Your roof caves in due to a windstorm and destroys your kitchen. We will pay for the repair of your roof and kitchen, up to your policy limits.

Contents Protection

Contents insurance will help you to repair or replace items that have been damaged or lost due to an insured event. This cover is recommended for both renters and homeowners.

Example: A fire damages your stove, kitchen table, refrigerator, and more. We will pay to repair or replace the items damaged in the fire up to your policy limits.

Alternative Accommodation Costs

If you are unable to live in your home due to an insured event, your policy will pay for you, your family and your pets to stay elsewhere whilst it is being repaired.

Example: A tree falls on your home and causes structural damage. We will pay for your hotel until repairs are completed, subject to your policy limits.

Liability Cover

Liability cover pays for expenses related to damage or injuries that you or your family member have caused to others while they are on your property.

Example: A mail carrier falls on your porch and injures themself. If you're found to be liable for the injury, we will cover the resulting costs up to your policy limits.

Get a Quote

Homeowner, landlord, or renter—there’s coverage for it all

With CG Atlantic home insurance, you can personalise your policy with one or both of the following:

Choose the plan you would like to compare

Most popular
- Recommended for homeowners and landlords
  - What’s covered
    
    Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.
    
    Protection against natural disasters like hurricane or flooding, as well as smoke, leaks from water pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for homeowners or landlords
    
    Alternative accommodation costs
    
    Loss of rent for landlords
  - Bonus benefits
    
    Removal of debris following damage to your home
    
    Professional fees for surveyors, architects, and legal fees
    
    Cost related to hiring a locksmith and the replacement of locks
  - What's not covered
    
    Damage caused by pets, you or your household member
    
    Damage to hedges
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Wear and tear and damage caused gradually
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
- Recommended for homeowners and renters
  - What’s covered
    
    Household goods, furniture, gardening equipment, clothing, valuables and more.
    
    Protection against hurricane or flooding as well as smoke, leaks from water pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for renters and occupiers
    
    Alternative accommodation costs
    
    Personal possessions and sports equipments as optional add-on
  - Bonus benefits
    
    Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures
    
    Refrigerated food that perishes during a power outage
    
    Home entertainment equipments
  - What's not covered
    
    Contents used for business or professional purposes
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Damage caused by pets, you or your household member
    
    Damage if your home or part of it is sublet to others
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
Choose the plan you would like to compare

Most popular
- Recommended for homeowners and landlords
  - What’s covered
    
    Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.
    
    Protection against natural disasters like hurricane or flooding, as well as smoke, leaks from water pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for homeowners or landlords
    
    Alternative accommodation costs
    
    Loss of rent for landlords
  - Bonus benefits
    
    Removal of debris following damage to your home
    
    Professional fees for surveyors, architects, and legal fees
    
    Cost related to hiring a locksmith and the replacement of locks
  - What's not covered
    
    Damage caused by pets, you or your household member
    
    Damage to hedges
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Wear and tear and damage caused gradually
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
- Recommended for homeowners and renters
  - What’s covered
    
    Household goods, furniture, gardening equipment, clothing, valuables and more.
    
    Protection against hurricane or flooding as well as smoke, leaks from water pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for renters and occupiers
    
    Alternative accommodation costs
    
    Personal possessions and sports equipments as optional add-on
  - Bonus benefits
    
    Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures
    
    Refrigerated food that perishes during a power outage
    
    Home entertainment equipments
  - What's not covered
    
    Contents used for business or professional purposes
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Damage caused by pets, you or your household member
    
    Damage if your home or part of it is sublet to others
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.

What our customers say

L James

I have been a client for just over a year and I have had nothing but friendly, efficient and professional services. Great prices also for vehicle insurance.

T Brown

Wonderful smiling friendly face at the reception, fast excellent service. Nice experience.

G Fernander

My husband and I have been customers for a number of years now and have always been pleased with the service. The team is very professional and responsive.

K A Gordon

Recently switched from another company with a higher cost and less benefits.

B Turner

Awesome rates, and great service!

M Butler

Quotes were delivered on time, competitive and within budget. The customer service team is friendly and responsive.

T Dolce

I’ve been using this company for some time now and they have never let me down.

Download forms

Application

Home Options Proposal Form

Home Options Household Contents Checklist

Home Options Short Proposal Form

Claims

Home Claim Form

Frequently asked questions

Yes, speak to one of our representatives to discuss various deductible options for your policy.

Market price may consider the land value, while home insurance value considers only the cost of the actual home structure. Home insurance value is based on the rebuilding cost of your home, including walls, gates & fences, fixtures & fittings, solar panels, pools and more – but does not cover the land value.

Your bank/mortgage lender may be satisfied to insure only the amount left on the mortgage. However, in the event of a partial loss underinsurance would be applied to the claim payment. This means that you may need to pay out of pocket to fully repair your home.

Hurricane protection is included as standard coverage under our home insurance policy. However, you can exclude hurricane cover for a reduced premium. Speak to one of our representatives to find out more.Take steps to prevent any further loss or damage by making temporary repairs. Be sure to take pictures of the damage and save receipts for any temporary repairs completed. Contact us as soon as possible so that a team member can help file your claim.

You can download your documentation for your home from our customer portal at hellocgi.com.

Home, Motor (Manage Policy)

Health (Members)

Health (Employers & Providers)

Pensions

Life

A

B

C

D

G

I

J

M

S

T

Car Insurance