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AANT’s combined Home Building and Contents Plus is its top tier, advertised with an extra 25% safety net above the building sum insured and up to two years of temporary accommodation after a covered event. Those are headline benefits, not a substitute for the policy terms: check the applicable Product Disclosure Statement (PDS), your Certificate of Insurance and a quote for the actual limits, exclusions, excesses and premium.
What AANT Home Building and Contents Plus is
AANT describes Plus as the highest level in its combined building-and-contents quote journey. It distributes the policy; Insurance Australia Limited issues it under the CGU brand. AANT says it acts as an authorised representative of Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681), and that its information is general rather than tailored to a customer’s objectives, financial situation or needs. AANT’s Home Building and Contents Insurance page outlines advertised features, but the contract documents govern cover.
This is an Australian product. The public information reviewed was available from AANT on 7 October 2026; benefits and terms may change. AANT’s document directory lists a Home PDS, a Home Premium, Excess & Discounts Guide, a Home Target Market Determination and building and contents Key Facts Sheets. AANT says that customers seeking documents for policies issued before 16 June 2025 should contact CGU directly. The linked CGU PDS could not be accessed for this review, so exact policy definitions, exclusions and excess schedules have not been independently verified. Check the version that applies to your quote or renewal.
What the Plus tier advertises
| Feature | AANT’s public description | What to verify |
|---|---|---|
| Building safety net | An extra 25% on top of the building sum insured if the home needs rebuilding or repair. AANT describes it as “A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.” | How the safety net applies, its eligibility and any conditions in the PDS and Certificate of Insurance. |
| Temporary accommodation | Up to two years if a covered event makes the home unliveable. AANT contrasts this with 12 months for combined Standard cover. | Eligible circumstances, payment conditions, dollar limits and how the period is calculated. |
| Natural events | AANT lists flood, rainwater run-off, storm, storm surge and tsunami among covered causes of loss or damage. | The policy’s definitions, limits and exclusions. AANT specifically says actions of the sea, such as tides and waves, are not covered. |
| Emergency repairs | CGU is available 24/7 to help with urgent repairs after a covered event. | When repairs qualify and what steps or approval are required. |
| Legal liability | Up to $20 million in some situations. | Applicable situations, conditions and exclusions; the headline limit is not a blanket promise. |
| Repairer choice | You can choose your own repairer. AANT also advertises a lifetime workmanship guarantee for authorised home repairs. | For a non-partner repairer, CGU may not guarantee workmanship or manage time and quality issues, and will pay only the fair and reasonable repair cost. |
These are AANT’s summaries, not a complete list of cover terms. Underwriting criteria, conditions, limits, sub-limits, excesses and exclusions apply.
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What changes for contents in Plus
AANT says Contents Plus includes accidental damage and motor burnout automatically. It also advertises higher limits for selected inclusions, including food spoilage and landscaping, and up to two years of temporary accommodation rather than 12 months for Contents Standard. Its public summary gives these food-spoilage figures:
| Contents tier | Food and prescription-medicine spoilage after a covered event |
|---|---|
| Contents Plus | Up to $2,000, according to AANT. |
| Contents Standard | Up to $500, according to AANT. |
AANT says there is no excess for food spoilage. Check the PDS for the precise conditions and how the benefit works with a combined policy; the amounts are stated maximums, not guaranteed claim payments.
Rank #2
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Optional benefits, item limits and exclusions to check
AANT’s combined-policy page lists accidental damage, valuable contents, motor burnout and portable contents among optional benefits across its offering. Its contents page clarifies that accidental damage and motor burnout are automatically included in Contents Plus. Because option descriptions can cover multiple tiers, confirm the exact configuration shown in your quote and schedule.
Accidental damage
AANT gives the example of a child accidentally knocking over a television and breaking its screen. The benefit is optional for Contents Standard and included automatically with Contents Plus. AANT says it excludes fishing equipment, sporting equipment, musical instruments and firearms while they are in use.
Rank #3
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Motor burnout
AANT describes cover for qualifying electric motors in fixtures or appliances, including parts and labour. The motor must be up to 15 years old, not covered by a warranty and not used for business. AANT says Contents Plus includes this benefit automatically. Confirm the policy’s definitions and conditions before relying on it.
Valuable contents
Under general contents, AANT says works of art, collections, jewellery and watches share a $2,500 total limit unless higher valuable-contents cover is selected. Valuable contents are not covered while in storage, according to AANT.
Rank #4
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Portable contents
This optional extension applies to certain items away from home. AANT states a $10,000 per-item limit unless an item is separately listed for more, and notes other limits outside Australia or New Zealand. Its listed exclusions include scratches or dents, items being cleaned or repaired, and some equipment while in use. Bicycles are excluded while used in a competitive race or time trial.
Contents in storage
AANT says general contents may be covered if CGU is told before the items are moved and its acceptance criteria are met. That does not extend to valuable contents in storage.
Best Value
- ORGANIZE UP TO 2,000 SHEETS：Store tax records, medical documents, insurance papers, receipts, school assignments, and office files in one place. Expands up to 12 inches and holds up to 2,000 sheets of A4 or letter-size paper.
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Choose sums insured with care
AANT says its building and contents calculator is guidance, not a guarantee that the resulting amount is enough. You are responsible for insuring the home for its full replacement value. AANT also says that if a home or contents item is insured for more than its value, a claim is paid only for the actual repair, replacement or rebuild cost. Consider replacement costs rather than assuming the calculator’s estimate is definitive, and check what your Certificate of Insurance records.
How to judge the price and compare cover
There is no responsible way to state a typical premium without a personal quote. The price depends on the policy and selections applicable to the property; compare actual quotes on a like-for-like basis. AANT says payment can be made fortnightly, monthly or quarterly at no extra cost. Check the current Premium, Excess & Discounts Guide and your quote for the applicable premium and excesses.
When comparing policies, line up the same address, occupancy, sums insured, excess and options. Then compare:
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- Temporary accommodation duration, dollar cap and eligibility conditions.
- Standard and event-specific excesses, including any excess you select.
- Definitions and treatment of flood, rainwater run-off, storm surge and actions of the sea.
- Whether accidental damage, motor burnout, valuable contents and portable contents are included or optional, and their limits.
- Claims arrangements, repairer choice and any workmanship guarantee.
- The quoted premium for those identical settings.
AANT’s feature summaries alone do not establish that the policy is cheaper or better value than another insurer’s. That requires comparable quotes and policy terms.
How to make a claim
AANT directs Home and Contents customers to CGU at 13 24 80 to lodge a claim 24 hours a day, seven days a week. For enquiries about an existing claim, AANT lists hours of 8:30am–5:00pm local time. Have your policy number and contact details ready, along with other-party details and incident documents if relevant. Photographs and retaining damaged items can help with assessment.
Quick Recap
What to confirm before buying or renewing
- Get the PDS version that applies to your new policy or renewal, plus your Certificate of Insurance and a personal quote.
- Check that the building and contents sums insured reflect the replacement cost you intend to insure.
- Confirm which Plus benefits are included in your quoted configuration and which are optional, with particular attention to portable contents and valuable items.
- Review the applicable limits, exclusions, event definitions, excesses and conditions for your circumstances.
- Use the same address, cover amounts, excess and options when comparing another insurer’s quote.
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.
