With GIO, your building is more than just the bricks and mortar of your home. It includes parking and outdoor areas plus permanent fixtures and fittings.

Contents are the household items that you own, or use at home that aren't permanently attached to the building. It's all the things you'd take with you when moving house like furniture, free-standing appliances and clothing.

Damage to carpets is covered under your Contents Insurance policy.

It's important to have the right amount of insurance for your home and contents in case you need to make a claim to replace everything. To help you estimate the replacement value of your home or your contents, you can use our detailed Home and Contents Calculator.

Safety Net Home Protection provides a buffer if the cost of repairing or rebuilding exceeds the amount you insured your home for due to an unexpected building price surge.

Pets are not automatically covered. However, when you insure your home contents with GIO, we offer ‘Injury to pet dogs and cats’ as an optional cover for an additional cost.

A premium is the amount you pay for your insurance and it's calculated based on the amount you insure your home or contents for (your sum insured) along with many factors about you, your home and contents. These are called premium factors. The premium factors we use reflect the likelihood of you making a claim together with other factors such as the cost of claims we’ve paid to other customers and claims we expect to pay in the future, changes in taxes, duties or levies along with our cost of doing business.

Strata Insurance is insurance for residential buildings that are registered under a body corporate, strata, group or community title. It is designed for properties like a duplex, townhouse, unit and flat that share land walls, access or common areas with a neighbour.

Learn more about Strata Insurance.

Common contents, which are covered under Strata Insurance, relates to unfixed property such as appliances, equipment, furniture, fittings and works of art in common areas for which the Body Corporate or Owners Corporation is responsible.

If you are using your house or spare room for short term rentals through Airbnb or a similar service, and would like to enquire about insurance, please call us on 13 10 10 for further information.

If you have a holiday house that is only for your personal use and that is unoccupied for much of the time you can still insure your property with GIO Home and Contents Insurance, but you will likely be required to pay an unoccupied excess in the event of a claim.