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Home Insurance

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What makes up my premium?

Insurance premiums are influenced by a range of factors such as claims costs, government taxes & charges, reinsurance, profit and expenses. We calculate your premium using information like your areas level of risk of natural hazards and thefts, the construction type of your home, your insurance history and more.

Learn more about where premiums go


Discounts we offer and things to check

How much is your home and contents worth?

Not sure how much to insure home and contents for? Estimate the cost of replacing them, so you can nominate a sum insured amount you’re comfortable with.

Ways to get in touch

Give us a call on

13 10 10

Monday - Sunday
8am - 7pm AEDT
Closed on national public holidays

Got a question?

Ask George, the GIO Virtual Assistant.

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8am - 9pm, 7 days (except national public holidays)

9am - 5pm national public holidays

Message GIO at your own pace with the GIO App

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Extra help and support

We understand that sometimes our customers need extra care and support at different points in their lives. We also know that everyone’s situation and needs will be different. We are committed to looking after your needs with sensitivity, dignity, respect and compassion. Find out more

Important information

*If you’re eligible for more than one discount, we apply them in a pre-set order to the discounted premium, before government taxes and charges.
^Discount not applicable to GIO Roadside Assist, GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.