See our Cookie & Data Policy for more details.
Home & Contents FAQs
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.
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.
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.