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Bank of us Home Buildings and Contents Standard may suit customers who want core home and contents cover, but its headline summary leaves important purchase questions unanswered: the actual premium, excess, exclusions and claim conditions. The clearest trade-off is that accidental damage at home and electrical motor burnout are optional on Standard, while the Plus tier includes them automatically. Whether Standard is sufficient depends on the cover you need and the terms in your own policy documents.
What this review can—and cannot—establish
This is a review of the Australian Building and Contents Standard insurance option marketed by Bank of us. The official product page identifies Insurance Australia Limited as the issuer under the CGU brand. Bank of us says it acts under agreement with the issuer, receives commission on insurance products and does not guarantee any claim or benefit payable under the policy. Bank of us Home Insurance Bank of us Insurance
The accessible provider summary describes selected benefits and tier differences, not the complete contract. It is not enough to determine how a particular claim would be handled or what the policy would cost. No premium quote, claim outcome or independent customer experience is established here. Read the current Product Disclosure Statement (PDS), your policy schedule and any endorsements before deciding.
What Standard includes, and what it makes optional
Bank of us presents building and contents as separate options that can be combined. Its comparison page lists Building Plus, Contents Plus, Building Standard and Contents Standard. The key distinction highlighted for Standard is that accidental damage at home and electrical motor burnout are optional; the summary shows these as automatically included with Plus. Bank of us Home Insurance comparison
#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.
- Convert USB-A Ports to USB-C: Designed to connect USB-C earphones, cables, flash drives, card readers, and other USB-C accessories to standard USB-A ports. Plug-and-play with no drivers or software required.
- Aluminum Alloy Housing: Built with a sturdy aluminum alloy shell that aids in heat dissipation and protects against daily wear and scratches. Designed to maintain a stable and secure connection.
- Compact & Travel-Friendly: The ultra-compact design allows the adapter to stay plugged into your device without blocking adjacent ports or adding bulk, reducing wear and tear on your original USB ports.
- 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.
That distinction matters if accidental damage or motor burnout cover is important to you. Check whether you would need to add either option, what it costs, and what conditions and exclusions apply. The summary alone does not establish the price or full terms of those options.
Standard and Plus: the stated differences
Bank of us’s product pages describe the following tier differences. These are CGU-stated summary terms on an undated page accessed 7 October 2026; verify that the current PDS and quote still reflect them.
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.
| Feature | Standard | Plus |
|---|---|---|
| Accidental damage at home and electrical motor burnout | Optional, according to the comparison page | Shown as automatically included |
| Safety net over the sum insured | No additional safety-net percentage stated in the accessible summary | 25% extra over the sum insured |
| Temporary accommodation | Up to 12 months, as stated on the provider page | Up to two years, as stated on the provider page |
The page does not establish every condition, cap or eligibility rule that could affect these benefits. In particular, do not treat the Plus safety net as a substitute for choosing an adequate sum insured: the provider says customers are responsible for insuring a home for its full replacement value.
Replacement value: the calculator is a guide, not a guarantee
Bank of us says its online replacement-cost calculation is a guide and that the customer is responsible for ensuring the home is insured for full replacement value. It also says that if a home or contents is insured above the cost to repair, replace or rebuild, CGU pays only the actual cost. The product page’s wording is direct: “The calculation provided is just a guide.” Bank of us Home Insurance
Rank #3
- Sleek 7-in-1 USB-C Hub: Features an HDMI port, two USB-A 3.0 ports, and a USB-C data port, each providing 5Gbps transfer speeds. It also includes a USB-C PD input port for charging up to 100W and dual SD and TF card slots, all in a compact design.
- 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.
Review the estimate carefully against your circumstances rather than treating it as an insurer-approved valuation. The accessible summary does not explain all valuation assumptions or how individual items and rebuilding costs are assessed, so consult the current PDS and ask the insurer about any uncertainty before setting your sum insured.
Portable contents and visitors’ belongings
Items taken outside the home
Portable contents cover is optional under Standard. The provider summary describes cover for eligible items taken outside the home, up to $10,000 per item unless the item is separately listed for more. Other limits, exclusions and territorial rules apply. The page also excludes certain items while in use, as well as scratches or dents and items being cleaned or repaired. Check the PDS for the full wording and any listing requirements before relying on cover for a valuable item. Bank of us Portable Contents
Rank #4
- Dual Converters, Infinite Potential：Includes 2× USB C male to USB A female adapters and 2× USB A male to USB C female adapters. Perfect for a wide range of uses—tablets with Bluetooth keyboards, expand USB ports on macbook, and more. Two different converters for all your daily needs
- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
- Upgraded Exquisite Craftsmanship: With an aluminum alloy housing and metal connector, the usbc to usb adapter is extremely durable and sturdy. Rigorously tested to withstand more than 10,000 times of plugging and unplugging, ensuring long-lasting performance
- 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
Visitors’ belongings
The combined-policy page states a $2,500 limit for visitors’ belongings. This is a provider-stated headline limit, not a guarantee that every loss or item is covered; circumstances, definitions and exclusions in the policy apply. Bank of us Home Insurance
Temporary accommodation, emergency repairs and liability
The combined-policy summary lists damage from covered events, temporary accommodation, emergency repairs and liability cover among its headline benefits. It states a $20 million liability limit in the situations it describes. These are summary-level descriptions and limits; the page says limitations and exclusions apply and directs customers to the PDS for exact terms. Bank of us Home Insurance
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.
For temporary accommodation, the summary states up to 12 months for Standard and up to two years for Plus. The duration alone does not establish when accommodation is payable, how costs are assessed or what other conditions apply; confirm those details in the policy wording.
Repairs and repairer choice
Bank of us says customers can choose a repairer. If you use a repairer outside CGU’s partner network, however, CGU says it will not guarantee that repairer’s workmanship or manage the repairer’s timeframes and quality. It also says it will pay only the fair and reasonable amount the repairs should cost. For authorised repairs, the page states a lifetime workmanship guarantee. Bank of us Home Insurance Claims
Before choosing an outside-network repairer, clarify how the insurer will assess the proposed work and payment amount, and whether the repair arrangement affects your claim. The summary does not set out the complete claims process.
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What you need to check before choosing Standard
The accessible summary and comparison do not provide enough detail to judge the policy’s full value for a specific household. The linked PDS, Premium, Excess & Discounts Guide and key-facts document were not accessible from the available official materials; Bank of us advises consulting the PDS for detailed conditions and exclusions. Bank of us Home Insurance
- Premium and excess: Get a quote for your property and confirm the excesses that apply to different claim types. Neither your price nor the full excess schedule is established by the marketing summary.
- Optional cover: Find out the price and terms for accidental damage, motor burnout and portable contents if you need them.
- Sum insured: Check whether the building and contents amounts reflect the replacement costs relevant to your situation; the online calculation is only a guide.
- Limits and exclusions: Review policy definitions, sublimits, exclusions, territorial rules and any requirements to list higher-value items.
- Claims and repairs: Confirm settlement options, repair arrangements and the conditions for emergency repairs, temporary accommodation and liability cover.
Compare the current Standard and Plus documents and quotes on the same basis. The provider’s summary identifies a clear difference in selected benefits, but it does not establish which tier offers better value without your price, excess and policy terms.
Quick Recap
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.
