Investor Home & Contents

GIO Insurance is available in NSW, ACT, VIC, WA & NT. Key features of Investor Home and Contents Insurance are -

	Loss of rent GIO will protect your rental income*: Loss of rent from your tenant defaulting on their fixed rental agreement up to 14 weeks Loss of rent during repairs if your home is damaged and unliveable up to 12 months Legal costs you incur in trying to recover unpaid rent  up to $5,000. *Conditions and exclusions apply to all of these features. See the Product Disclosure Statement for full details.
	Automatic flood cover You will automatically receive cover for loss or damage caused by rain, wind, storm and flood. This includes damage from flash floods, storms, rising rivers and tsunamis as well as flooding from dishwashers, hot water systems and burst pipes. Actions or movements of the sea and leaks from showers are not covered.
	New for old replacement If your home is damaged beyond repair or your belongings are damaged or stolen, we will replace your home and contents items new for old, regardless of their age.
	Lifetime Guarantee We guarantee the quality of materials and workmanship of repairs that we authorise and arrange for the lifetime of your home.
	Safety Net Home Protection GIO will pay up to 25% extra protection on your home cover if costs to replace your damaged home exceed your sum insured.
	24 Hour Claims Service We have a dedicated claims hotline providing a paperless claims service where you can talk to someone 24 hours a day, every day of the year.
	Choose to make one annual payment or to pay by the month At GIO we give you the choice of payment options. You can choose to pay one annual payment or monthly instalments. Learn more about Pay by the Month (fee applies).
	Cover for insured events You are covered against loss or damage as a result of 12 insured events: Storm and flood Theft (including theft by tenants) Vandalism and malicious damage (including damage by tenants) Fire Burst pipes, leaks and overflows Earthquake and tsunami Lightning Breakage of fixed glass Damage by animals Explosion Damage by animals Impact
	Learn more Find out about Classic Home and Contents Insurance, 55UP Home and Contents Insurance and Platinum Home and Contents Insurance Read the relevant Product Disclosure Statement before making any decision regarding these products. Insurance is issued by GIO General Limited ABN 22 002 861 583.

A GIO Investor Home and Contents Insurance policy provides the following additional features and benefits.

• Eco-friendly insurance features

GIO will pay up to $2,500 to install a rainwater tank solution or solar powered heating facility if we are rebuilding or repairing more than 80% of your home, and they were not part of your home before your claim.

GIO will replace your damaged white goods with ones that have a minimum 3 star energy rating, even if your white good had a lower rating. These include your fridge, freezer, washing machine, dryer, dishwasher and air conditioner.

• Additional features at no extra cost

	Home	Contents
Removal of debris	(up to 15% of home sum insured)	(up to 10% of contents sum insured)
Automatic sum insured adjustment
Extra costs to comply with the latest home building regulations
Replacement of locks when keys are stolen up to $800
Extra cover to install a rainwater tank or solar  heating system up to$2500
Loss of rent caused by an insured incident up to 12 months	(up to 10% of the home sum insured)	(up to 10% of the contents sum insured)
Mortgage discharge costs up to $1,000
Legal liability cover up to $20 million

   Additional feature is covered by your policy

 Additional feature is not covered by your policy 

GIO offers a range of discounts and ways to help you save on your GIO Investor Home and Contents Insurance

• Get a 10% online discount

  Receive a 10% discount on your Investor home and contents insurance policy when you get a quote and buy your insurance online. To get a quote click here.

• Combined Home and Contents discount

  Receive a 15% discount off your premium when you combine your home and its contents onto one policy.

• Home security

  Installing extra security at your home may also reduce your premium.

• Multi-policy discounts

  Receive a 5% discount off your premium if you hold 3 or more eligible insurance policies with GIO. Click here for details of eligible policies.

• Increase your excess

  By increasing your excess within the range of excess amounts we offer, you can reduce your premium.

GIO also offers a range of optional covers with our Investor Home and Contents cover that may be available to you depending on your circumstances.

• Accidental damage

  You will be covered if something is accidentally broken or damaged in your investment property, including damage by your tenants. For example, we cover damaged tiles if a saucepan is accidentally dropped on them, bench tops when they are scorched by a hot object, carpet when red wine is spilt on it and paintings when they fall off a wall.

• Motor burnout

  You will be covered for the repair or replacement of household electric motors less than 11 years old, which are part of the insured Home or Contents. Examples include electric motors in a pool pump, refrigerator, air conditioner, dishwasher and washing machines.

• Mortgagee’s interest

  You will be covered for the outstanding amount of the mortgage on your unit up to the sum insured  shown on your certificate of insurance if the building containing your unit is damaged by an insured event and the building cover falls short, and the mortgagee claims on you