GIO is a part of the Suncorp Group, and the contact details for service of legal documents (including writs, subpoenas, and garnishee orders) are the same across the Group.
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Home Insurance
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Things to check
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Your excess
You can choose to lower your premium by increasing your excess within a range we set. This means your premium will be cheaper, but you’ll face higher out-of-pocket costs in the event of a claim. It’s up to you to decide on a balance that suits your needs.
Payment frequency
If you pay your premiums annually, you’ll pay less than if you were to pay in monthly instalments for the same period.
Your property details
Double-check the property details listed on your policy. Things like the building materials and room sizes, which affect your premium. If there’s something that doesn’t seem completely accurate, or if you’ve made some changes or improvements, fixing that up may alter your premium. This may mean an increase or a decrease, but your policy will be accurate.
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
For Home Insurance: Monday to Sunday 8am - 7pm (AEST/AEDT)
For Strata Insurance: Monday to Friday 8am - 6pm (AEST/AEDT)
Closed on national public holidays
Messenger
8am - 9pm, 7 days (except national public holidays)
9am - 5pm national public holidays
Message GIO at your own pace with the GIO App
GIO Messaging is a convenient way to get the support you need, without the hassle of waiting by the phone.
Get in the know
Know more
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Need to make a home insurance claim without receipts but not sure if you can? Luckily, there are multiple ways of proving ownership.
Poor home maintenance can affect the outcome of any potential home insurance claims. But there are a few things you can do to stay on top of your home maintenance.
FAQs
No, your carpets aren’t covered by GIO Building Insurance. You’ll need GIO Home Contents Insurance or a combined Home and Contents Insurance policy to offer cover for your carpets.
For more information, please refer to the Home and Contents PDS.
With GIO Safety net home protection, where repair or rebuild costs after an insured event exceed your sum insured, we pay a further percentage of your sum insured towards the repair or rebuild of the home by our builder, when our builder, or the amount of the builder’s assessed quote to repair or rebuild the home if your claim is being settled on this basis.
Safety net home protection is automatically included in GIO Classic Extras and GIO Platinum home building cover and is an optional cover for GIO Classic policies for an additional premium.
| Classic (available as optional extra) | Classic Extras (automatically included) | Platinum (automatically included) |
We’ll pay up to a further 25% of the home | We’ll pay up to a further 25% of the home | We’ll pay up to a further 30% of the home |
Conditions and exclusions apply. See the PDS for full details.
During renovations or building works we don't cover loss, damage or legal liability including:
- Damage from cracking, collapse or subsidence caused by the works
- Storm, flood or water damage entering through openings in walls, roofs or unfinished areas (even if temporarily covered)
- Theft or damage through areas under construction that cannot be secured
We also don't cover legal liability for or caused by, connected with, or arising from building works where the total cost exceeds $50,000.
We don’t cover any new buildings in the course of construction.
There are certain building works you must tell us about. See 'When you must contact us' in the GIO Home & Contents Insurance PDS for details.
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
