Home and Contents Insurance

Glass breakage that occurred by accident, i.e. without intent, is covered. It includes fixed glass in windows, doors, skylights and mirrors fixed to the home. It doesn't include things like glass in greenhouses, ceramic tiles, and chips or scratches to the surface of the glass.

Please read the PDS for full details of what is and isn’t covered.

Glass breakage that occurred by accident, i.e. without intent, is covered. It includes fixed glass in windows, doors, skylights and mirrors fixed to the home. It doesn't include things like glass in greenhouses, ceramic tiles, and chips or scratches to the surface of the glass.

Please read the PDS for full details of what is and isn’t covered.

We don't cover loss or damage caused by insects, vermin or rodents, but we will cover damage they cause if it is covered under ‘Fire (including bushfire)’ or ‘Escape of liquid’.

We cover the loss or damage caused by an explosion but we don’t cover the cost of replacing or repairing the item or container that exploded.

We cover loss or damage caused by riot, civil commotion or public disturbance, for example when a violent crowd moves down your street. We don't cover damage caused by someone who entered the property with consent.

This includes acts that were committed with intent to damage for example vandals breaking your letterbox or painting graffiti on the walls of the insured address.

You can claim for these after an insured event has occurred

You can claim for these independently of an insured event occurring

Some specific items have fixed claim limits, while others have flexible limits that can be increased on request. The limit is the most we can pay when you make a claim.

Depending on which level of cover you choose these may be automatically included as standard, or available to add on to your policy for an additional cost

We guarantee the quality of the workmanship for all authorised repairs if we have selected and directly authorised a supplier.

Provides up to $20 million to pay compensation, including all associated legal costs, for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of insurance in connection with certain situations. Applies to home building insurance. Please read the PDS for full details of the terms, conditions and exclusions.

For example, with home building insurance, if someone's injured falling down your stairs, which you're held legally liable for, we cover damages (money paid to the victim as compensation) including all associated legal costs up to $20 million.

Provides up to $20 million to pay compensation, including all associated legal costs, for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance in connection with certain situations. Applies to contents cover. Please read the PDS for full details of the terms, conditions and exclusions.

New for old means:

• New materials, new items;
• New for old, regardless of age;
• Same type, standard and specification as when new (or if not reasonably available, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle home and contents claims, refer to the PDS.

New for old means:

• New materials, new items;
• New for old, regardless of age;
• Same type, standard and specification as when new (or if not reasonably available, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle home and contents claims, refer to the PDS.

New for old means:

• New materials, new items;
• New for old, regardless of age;
• Same type, standard and specification as when new (or if not reasonably available, similar type, standard and specification).

For a full definition of ‘new for old’ and for how we settle home and contents claims, refer to the PDS.

If your home is damaged and can’t be lived in due to an incident covered by your policy, we’ll cover the reasonable and necessary temporary accommodation costs for both you and your pets while your home is being repaired or rebuilt. Our maximum payout for any one incident is 10% of the home sum insured with Classic and Classic Extras cover and 15% of the home sum insured with Platinum cover. Further cover may be available during delays outside of your control when we have appointed a builder to rebuild or repair. Any payment for temporary accommodation is on top of your sum insured, so won't take away from how much you'll have available to rebuild or repair your home.

Please read the PDS for details.

If loss or damage to your contents is covered after an event and you also have undamaged contents that cannot be kept at your home, we'll pay the reasonable cost to store the undamaged contents until they can be kept at your home.

We'll cover the costs to re-establish documents like birth and marriage certificates, driving licences, passports, jewellery valuations, wills and the land title to your home.

If we pay a claim for your home to a credit provider that fully repays your home loan, we'll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from the land title on your home.

If you can't live in your home after an incident, we'll cover any reasonable increase in normal living expenses which are necessary to maintain your normal standard of living until your home is liveable or you are permanently relocated.

If you can't live in your home or unit while it's being repaired or rebuilt as a result of it being damaged by an insured event, we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address. If you're a tenant who needs to temporarily move out, then we’ll pay for any reasonable extra rent costs for temporary accommodation. The most we'll pay for any one incident under this cover is 10% of your general contents sum insured. Conditions and exclusions apply, see the PDS for details.

Covers electricity costs that you start to incur if your alternative green energy generation equipment is lost or damaged by an insured event and is unable to supply power.

This covers the purchase and installation of environmental improvements like a rainwater tank, solar system or compost equipment. This only applies if loss or damage to your home caused by an insured event is covered, the assessed quote for the damage is more than 80% of your home sum insured, and your home doesn't already have the environmental improvements.

If a claim is covered for loss or damage to your home, we'll pay the cost to replace trees, shrubs, plants, hedges or garden beds that are damaged by the same insured event, with ones that we consider are reasonably similar. This doesn't include damage to lawns, grass or pot plants and excludes damage caused by a storm, storm surge, flood or escape of liquid.

We’ll pay the reasonable and necessary costs of demolishing and removing the damaged parts of your home in order to repair it. It doesn’t include removal of tree stumps and roots in the ground or debris, like fallen trees, that haven’t damaged your home.

When the home or parts of the home have been damaged in an insured incident, we’ll cover the reasonable and necessary costs of any temporary work required to make your damaged home safe from further immediate loss or damage.

When you are covered for loss or damage to the home at the insured address, we’ll cover the reasonable and necessary costs for:

• the services of professionals such as architects or surveyors
• removing debris that caused the damage and is required in order to repair the home, including fallen trees or branches
• demolishing and removing damaged parts of the home, but that aren’t part of the scope of works, from the insured address, and
• ensuring the damaged parts of your home comply with current building regulations and laws. Limits and conditions apply.

When you have contents cover and loss or damage to your contents is covered, we’ll cover the reasonable and necessary costs to dispose of those damaged contents.

We don't cover the removal of tree stumps and roots in the ground, removal of trees and branches that haven’t damaged your home, or work on undamaged areas of the home. Other exclusions apply. Please read the PDS for full details of limits, and what is and isn’t covered.

For unit owners only. We cover your contents permanently fixed on or to common property of your residential complex on the same basis as if they were at the insured address.

This covers your contents when you temporarily move to live at another Australian residence, for up to 180 days, or when held in a bank deposit box in Australia.

Provides cover for accidental loss or damage to your contents, including portable valuables, anywhere in Australia and New Zealand when temporarily removed for up to 180 days. Jewellery and watches are also covered for accidental loss or damage outside Australia and New Zealand when being worn by you or held securely in a safe, for up to 100 days.

Provides cover for loss or damage to contents owned by invited visitors staying at your home for up to 30 consecutive days.

We cover spoilage of refrigerated food, frozen food and refrigerated medicine at your home (no excess applies) caused by:
- an insured event
- the sudden escape of refrigerant fumes
- electrical or electronic breakdown, failure or malfunction
- the public electricity supply failing to reach your home.

If you make a claim under this additional cover, no excess applies.

We’ll pay the fee (no excess applies) charged by your security provider to respond if your monitored alarm is activated by an illegal or attempted break in, or a malicious act or vandalism providing you supply evidence that it triggered the alarm. False alarms, like those triggered by a pet, and unknown triggers are not covered. Also referred to as security attendance fees.

We provide cover if your credit cards or other financial transaction cards are physically stolen from your home and used fraudulently, less any amount covered by your transaction card provider. No excess applies.

We cover the necessary costs you incur of replacing or recoding locks to the external doors or windows of your home or unit if the keys to those locks are stolen anywhere in Australia or New Zealand. No excess applies.

Please read the PDS for limits and full details of what is and isn’t covered.

We cover the necessary costs you incur of replacing or recoding locks to the external doors or windows of your home if the keys to those locks are stolen anywhere in Australia or New Zealand. No excess applies.

Please read the PDS for limits and full details of what is and isn’t covered.

We'll pay the cost of locating the source of the liquid escaping or overflowing at the home and repair and restore the damage caused by our exploratory work.

You're covered for uninstalled building fittings, fixtures and materials like uninstalled kitchen cabinets or taps if they are stored in a locked and secure building at your home.

This covers office equipment kept at your home for business use which is of a clerical nature only, for example a desk or office chair.

This means tools or equipment used for any business activity except for home office equipment.

This includes cash, smart cards, phone cards, documents able to be cashed or traded, vouchers, money orders or stamps (not in a set or collection).

This covers jewellery and watches at your home only. It has a flexible limit which you can choose to increase for an additional cost. To cover jewellery and other items away from home, consider Portable Valuables - see optional covers.

This includes paintings, pictures, works of art, antiques, sculptures, ornaments and art objects. It has a flexible limit which you can choose to increase for an additional cost.

This includes collections, sets and memorabilia, including stamps, stamp collections, collector’s pins, medals and currency no longer in circulation. It has a flexible limit which you can choose to increase for an additional cost.

Covers the cost to repair or replace electric motors, entire sealed units or pool pumps where the motor is equal to or less than 10 years old. More information is available in the PDS.

Cover for electric motors in household equipment and appliances that are equal to or less than 10 years old when they burnout or fuse. This includes things like the motor in your freestanding fridge.

Cover for electric motors in household equipment and appliances that are equal to or less than 10 years old when they burnout or fuse. This includes things like the motor in your freestanding fridge.

This covers you if you lose, break or damage something by accident at your home for example by dropping, knocking over or spilling something without intent.

This covers losing, breaking or damaging something by accident at your property, for example by dropping, knocking over or spilling something without intent.

This provides a buffer if the cost of repairing or rebuilding exceeds the amount you insured your home for.

If your claim is covered we will pay up to a further percentage of the home sum insured towards either:

• repair or rebuild of the home by our builder, when our builder is repairing or rebuilding
• the amount of our builder’s assessed quote to repair or rebuild the home, when your claim is being settled on this basis
• the amount of your builder’s assessed quote, when your claim is being settled on this basis.

See PDS for details.

Provides cover for items normally carried with you away from home like your mobile phone, jewellery, camera, tablet or laptop.

Provides cover for valuable personal items that are normally carried with you away from home like your mobile phone, jewellery, camera, tablet or laptop for up to the item’s sum insured shown on your certificate of insurance. An additional premium applies.

Please read the PDS for full details of what is and isn’t covered.

Provides up to $2,000 for necessary vet treatment if your pet dog or cat is injured in an accident during the period of insurance. It doesn't include illness or pre-existing conditions but does cover things like tick bites and tick poisoning.

This optional cover is only available for ACT and WA residents only. This covers your legal liability to pay workers compensation to your domestic employee, i.e. a gardener or cleaner working in your home, if your employee is injured while working for you during the period of insurance. The terms and extent of cover are those set out in the relevant workers compensation laws of the state or territory of your home.  Available with Home only or Home and Contents cover.

Whether it’s a shower screen, window, fixed mirror or skylight, broken glass be expensive and time consuming to sort out. This optional cover can help take care of it quickly, without you having to pay an excess. Available with Home Building Insurance.

GIO Home Assist can offer you help from a plumber, electrician, locksmith or carpenter in the event of a home emergency. So if you’ve had GIO Home Assist added on your policy for 24 hours or more and you come home to something unexpected like a burst pipe or blown fuse, we can help get it sorted ASAP. Available with Home Building Insurance.