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Coastline Bank-branded Home Buildings and Contents Plus cover is issued by Insurance Australia Limited under the CGU brand. Its headline features are an additional 25% building safety net and temporary accommodation of up to two years, but significant limits apply: action of the sea is excluded, waiting periods apply to some events, and contents benefits have sublimits. The policy’s price and value cannot be assessed from the public review, which does not include premium data.
What does Coastline Bank Home Buildings and Contents Plus cover?
The product combines cover for a nominated building sum insured with cover for a nominated contents sum insured. CHOICE identifies Insurance Australia Limited as the provider; Coastline says the cover is offered with CGU Insurance and issued by Insurance Australia Limited under the CGU brand. The certificate of insurance and current Product Disclosure Statement (PDS) set the terms of the contract.
CHOICE lists fire and bushfire, flood and rainwater run-off, storm, cyclone, storm surge, tsunami, explosion, earthquake, theft, vandalism and other events. These are subject to the policy’s definitions, exclusions, waiting periods and claim conditions; an event’s name alone does not establish that a particular loss will be covered.
Building safety net
Coastline describes an additional 25% above the building sum insured if the home needs repair or rebuilding. Its product page says: “A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired.” This is a safety net, not a guarantee that the chosen sum and extra allowance will meet every reconstruction cost. Check how the current PDS applies it and which costs remain subject to separate limits.
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Liability
CHOICE lists legal liability cover up to $20 million for named insureds and resident family members for incidents in Australia. The circumstances, definitions and conditions in the current PDS determine when it applies.
Does Coastline home insurance cover flood?
Flood is among the events CHOICE lists as covered, but CHOICE also lists a 14-day waiting period for flood. Rainwater run-off is listed separately, with a 72-hour waiting period. The precise event definitions and how a waiting period applies depend on the policy terms and circumstances, so check the current PDS rather than treating all water damage as equivalent.
CHOICE also lists exclusions involving erosion, deterioration, collapse, shrinkage or other earth movement. For the flood and storm cover it describes, it identifies retaining walls, bridges and gravel driveways, pontoons and jetties, and some poorly maintained fences or walls as not covered. These exclusions should not be assumed to apply identically to every insured event; consult the relevant PDS wording.
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Is storm surge covered?
CHOICE lists storm surge as an insured event, subject to policy terms. It lists a 72-hour waiting period for storm and storm surge. Storm surge cover does not mean cover for every coastal hazard: Coastline states, “CGU don’t cover actions of the sea, such as tides and waves.” CHOICE also marks action of the sea as not covered. Coastal homeowners should check the exact definitions and exclusions for their property.
How much temporary accommodation is included?
Coastline says Plus provides temporary accommodation for up to two years when the home cannot be lived in after a covered event. CHOICE describes the limit as up to 24 months or 20% of the building sum insured, paid on top of that sum, and says it applies after a building-damage claim. It is not an automatic two-year payment for every claim: eligibility, duration and costs are governed by the PDS.
What contents limits and optional cover should you check?
CHOICE lists the following Plus limits and conditions. They are useful comparison points, not a substitute for checking the current PDS and certificate.
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| Benefit | Limit or condition listed by CHOICE |
|---|---|
| Optional unspecified portable contents | Certain item groups may be covered for theft and accidental loss or damage, with a limit up to $10,000 per item, geographic limits and a $250 excess. Item-group limits and other conditions apply; this is not automatic cover of every portable item to $10,000. |
| Food and prescription medication spoilage | Up to $2,000 in specified circumstances involving electricity interruption from an insured event or motor burnout, paid on top of the contents sum insured. Refrigerator or freezer damage is excluded. No excess applies when the claim relates only to spoilage. |
| Gardens and landscaping | Up to $3,000 overall. |
| Jewellery, artworks and collections | Up to $2,500 overall for each category. |
| Open-air contents | Up to 20% of the contents sum insured. |
| Temporary storage of contents | Up to 24 months. |
Check whether particular belongings need to be specified, whether the listed limit is per item or per category, and which excess and exclusions apply. The contents sum insured and these sublimits can materially affect a claim.
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What exclusions and conditions could affect a claim?
Waiting periods
CHOICE lists a 14-day waiting period for flood and 72 hours for rainwater run-off, storm and storm surge, and bushfire or grassfire. The current PDS controls how these periods operate in specific circumstances.
Theft, vandalism and malicious acts
CHOICE says theft and vandalism by the insured, family members, residents, or people entering with their consent are excluded. Read the policy definition and exclusions for the situation in question.
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Homes left unoccupied
CHOICE says the insurer must be notified if the home will be unoccupied for more than 60 days, and lists upkeep and weekly checking requirements. Treat these as policy conditions to verify in the current PDS, not as general rules for other insurers.
Other limits
Coastline warns that additional limits, exclusions and conditions apply. Confirm the building and contents sums, applicable excesses, event definitions, and any sublimits against the current PDS and your certificate.
How much is Coastline home insurance?
No public premium or price comparison is established here. CHOICE says it scored the policy on cover only because the insurer does not share price data. Premiums depend on a quote for the property and the applicant’s circumstances, so the Plus label and higher limits are not evidence that the cover is affordable or good value.
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How to compare the policy for your property
Request quotes using the same household and property assumptions, then compare the parts that determine both cost and claim outcomes:
- Premium and excess for the same location, property details and cover settings.
- Building and contents sums insured, plus how any building safety net works.
- Portable-item and category limits, including whether an item must be specified.
- Definitions and exclusions for flood, rainwater run-off, storm surge and action of the sea.
- Temporary accommodation limits, duration and eligibility conditions.
- Waiting periods, earth movement and maintenance exclusions, and rules for an unoccupied home.
Before deciding, obtain the current PDS and quote, check the excesses, and make property-specific estimates for rebuilding and replacing contents. The current PDS edition and detailed excess schedule were not verified in the material available for this review; the PDS and your insurance documents control the actual terms.
Sources: CHOICE policy review and Coastline Bank home insurance product page.
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