Home & Contents FAQs

There are a number of ways you can pay for your Home Insurance, including conveniently online (except for Strata Insurance).

If you’re behind on your monthly repayments, it’s important you get up to date as soon as possible, or contact us to discuss your options.

Firstly, check if your debit/credit card details are correct, which you can do by logging into your account through GIO Online Services. If you can rule that out, please contact us as soon as possible so that we can help you rectify the issue.

To help you calculate the replacement value of your home and contents, use our Building Calculator and our Contents Calculator.

Contents are household items that you own or are responsible for and use primarily for domestic purposes. That doesn’t include items permanently attached to your home or insured address.

Your premium is calculated based on your sum insured along with many other factors, including your personal information, your home, and its contents.

Common contents refer to unfixed items that are contained within the common areas of your building.

Safety Net Home Protection – included in GIO Classic Extras and Platinum cover – provides a financial buffer if the cost of repairing or rebuilding exceeds your sum insured.

Provided you have a GIO ‘owner occupier’ policy, continue to reside in the home, and no more than 2 bedrooms are being rented under a short term holiday rental or home sharing scheme (like Airbnb, or Stayz), GIO will continue cover. Conditions may apply.

Yes, if you have a holiday home that is only for your personal use and is unoccupied for a majority of the time. If you make a claim, you will likely need to pay an unoccupied excess.

Our Home and Contents Insurance policies only apply to completed buildings that are being lived in, so we do not cover new buildings during construction. Please contact us if you’re commencing building works or renovations at your home, including demolition.

No, GIO Home and Contents Insurance does not cover loss or damage caused by insects, vermin, or rodents – including termites.

If your insured belongings are damaged or lost during transit within Australia, while they’re in commercial storage, or if they’ve been temporarily removed from your property for up 180 days, you’ll be covered.

Carpet is covered under GIO Contents Insurance, but not under GIO Home Building Insurance.

The difference is in whether or not structures and items are attached or not attached to the physical building you are insuring. Home Insurance covers your home, garages, carports, outbuildings, gates and fences, along with any permanently attached fixtures like solar panels, walls, ceilings, and floor coverings for loss or damage caused by a range of insured events at your insured address.

Whereas, Contents Insurance covers only for the loss or damage to the contents in your home caused by insured events. ‘Contents’ are household items that you own or are responsible for and use primarily for domestic purposes. These include things like furniture, furnishings, clothing, unfixed electrical goods, and appliances.

Ultimately, the level of cover you choose, and with who, is up to you. Comparing Home and Contents Insurance should be based on what you need cover for, like home, contents, combined home and contents, strata, or landlord insurance. To compare Home and Contents Insurance, you can:

• Check what is automatically covered in each policy you’re considering;
• Review any optional/additional covers available;
• Get a quote for the policy or policies you’re looking at; and
• Compare the quote and what it includes against other quotes you may have received.

GIO customers can easily update their policy/cover by logging into GIO Online Services.

You can update your address/contact details easily by logging into GIO Online Services.

Yes, you can. To do so, please contact us.

There are several ways to pay for the renewal of your Home Insurance, including conveniently online with your Visa/MasterCard/American Express card, through your online account, and via BPAY.

We're sorry you're thinking of leaving. To discuss your situation further or to cancel your policy, call us on 13 10 10.