Contents Insurance

It's your personal belongings that make the house your home - protect them with contents insurance.

Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

OVERVIEW

What does Contents Insurance cover?

Contents Insurance covers valuables like appliances, important documents (e.g. birth certificates), furniture, jewellery and more when lost or damaged by events such as storms, theft, fire or flood. While you'll need Building Insurance to protect the building itself, Home Contents Insurance can cover your important personal belongings if one of these unfortunate insured events happen to you. 

What's covered?

Events such as fire, storm, flood, break-ins

Up to 12 months temporary accommodation for tenants or strata title owners if the building is unliveable

What's not covered?

Damage to the home building

Injury to pets or animals (you can pay to add this Optional Cover)

Plants, hedges, soil or garden matter like pebbles

Anything defined as home (i.e. walls, building fixtures)

10% MULTI-POLICY DISCOUNT*^

Be rewarded with a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. GIO NSW CTP Green Slip and GIO ACT CTP insurance policy, can be included as one of the multiple policies but the discount doesn't apply to the CTP premium.

LEVELS OF COVER

Compare Contents Insurance options

Classic

Our standard benefits, features and claim limits.

 

With Classic Cover, you’re covered for damage or loss of items due to events like fire, flood, storm or break-ins, including contents in commercial storage or in transit.

You can claim new for old replacement for your items.

Temporary accommodation costs are also available for tenants or strata title owners for up to 12 months if the building is unliveable.

Optional Covers you can add:

Classic Extras

More GIO benefits on top of our Classic Cover, plus higher claim limits and extra features

Receive our Classic Cover protection, plus Motor burnout to cover the motor in your household appliances under 11 years old when they burn out.

You’ll also receive cover for accidental loss or damage at home, as well as cover for items you take with you away from home within Australia or New Zealand including portable valuables such as mobile phones, laptops and bicycles up to $1,000 per item and $4,000 in total.

Optional Covers you can add:

Platinum

GIO’s highest level of benefits, with the highest claim limits with even more added features.

Your home contents are protected by our Classic Cover and Classic Extras, but Platinum Cover also includes contents you take with you away from home, like your mobile phone, jewellery or laptop, with portable valuables cover anywhere in Australia or New Zealand up to 180 days.

In addition to this, Platinum Cover includes home security call-out fees of up to $2,500 and our highest level of cover to repair or replace your items, such as $20,000 towards home office equipment and $5,000 for tools of the trade.

Optional Covers you can add:

FOR RENTERS

Contents Insurance for renters

Renters can take out Contents Insurance too. If you don’t own the home you live in, GIO Contents Insurance can benefit you by protecting your valuables against theft or damage due to events like storms, floods or fire. You’ll also be covered for temporary accommodation costs if the building is damaged and unliveable for you.

Need Contents Insurance for a
property you rent to tenants?

CALCULATOR

Contents Insurance Calculator

Before you get a Contents Insurance quote, you need to know the current value of your belongings, i.e. how much they’d be worth if you bought them today. Our Contents Insurance Calculator can help you estimate how much to insure your items for. 

LAUNCH CALCULATOR

WHY GIO

Reasons to choose GIO

24/7 Claims

Claim at any time online or over the phone. You can also track the progress of your claim online.

Lifetime repair guarantee

We offer a dedicated 24/7 claims service and a lifetime guarantee on authorised building repairs.

Est. in 1927

We've been a trusted insurer for 90 years.

OFFERS

Ways to save on Home Insurance

10% MULTI-POLICY DISCOUNT*^

Be rewarded with a 10% multi-policy discount if you hold three or more eligible policies with us. These include Home Building, Contents, Landlord, Car, Motorcycle, Caravan or Boat Insurance. GIO NSW CTP Green Slip and GIO ACT CTP insurance policy, can be included as one of the multiple policies but the discount doesn't apply to the CTP premium. 

10% ONLINE DISCOUNT*

Save 10% on your home insurance when you buy a new policy online.

REVIEWS

What our customers are saying

FAQs

People also ask

If you are eligible for more than one discount, we apply any subsequent discount to the already discounted rated premium (usually before adding taxes and charges). Discounts are subject to change without notice. Minimum premiums may apply. Any discount given will be shown on your certificate of insurance.

*Discount not applicable to Roadside Assist optional cover
^Discount not applicable to Domestic Workers Compensation optional cover

Flood

Flood means the covering of normally dry land by water that has escaped or been released from the normal confines of things like a lake, river or other natural watercourse. It doesn't include high tides, waves and other movements of the sea like storm surges and we don't cover retaining walls, sea walls, garden borders and free standing outdoor walls.

Storm

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust. Damage caused by the sea is not considered "storm damage" on its own, but is covered if it happens at the same time as damage by the storm.

Lightning

Lightning, including associated power surges, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Fire (including bushfire)

Fire is considered burning with flames and also includes damage from heat, ash, soot and smoke from a burning building within 10m of your address. Arcing, scorching and cigarette burns are not fire damage unless a fire spreads from the initial burn spot.

Earthquake and Tsunami

We cover damage caused in the first 72 hours after an earthquake or tsunami. A tsunami is not considered an action or movement of the sea.

Theft or burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items. We don't cover loss or damage caused by anyone living at the address.

Accidental glass breakage

Glass breakage that occurred by accident, i.e. without intent, is covered. It includes things like windows, fixed mirrors, sinks and glass parts of fixed cooking appliances. It doesn't include things like greenhouses, drinking glasses and chips or scratches to the surface of the glass.

Escape of liquid

This covers sudden leaks of liquid like overflow or bursting from white goods, pipes and drains, tanks, swimming pools or waterbeds. It doesn't cover damage from the gradual process of liquid escaping, wear and tear, mould and rot nor does it cover liquid leaking from portable items or shower areas.

Impact

We cover damage which occurs at the insured address when hit by an object such as a tree, car and even space debris. It doesn't cover trees being cut back, cut down or moved by you or for you.

Damage by an animal

We cover damage caused by an animal when it becomes accidentally trapped inside the insured address. It excludes animals allowed onto the address and things like insects, vermin or rodent damage unless caused during a fire or escape of liquid like a water main bursting.

Explosion

We cover damage caused by an explosion but we don't cover the cost to repair or replace the tank or container that exploded.

Riot and public disturbance

We cover loss or damage caused by riot, civil commotion or public disturbance, for example when a violent crowd moves down your street. We don't cover damage caused by someone who entered the property with consent.

Malicious acts and vandalism

This includes acts that were committed with intent to damage for example vandals breaking your letterbox or painting graffiti on the walls of the insured address.

Included features

You can claim for these after an insured event has occurred

Additional covers

You can claim for these independently of an insured event occurring

Item limits

Some specific items have fixed claim limits, while others have flexible limits that can be increased on request. The limit is the most we can pay when you make a claim.

Optional covers

Depending on which level of cover you choose these may be automatically included as standard, or available to add on to your policy for an additional cost

Lifetimee guarantee on authorised repairs

When we repair or rebuild your home, we guarantee the quality of materials and workmanship of that work for the lifetime of your home if we authorise, arrange and pay the builder or repairer directly for this work.
We guarantee the materials used and standard of workmanship to be free of defects. If a defect arises in the lifetime of your home as a result of poor quality workmanship or use of incorrect materials, then we will rectify the problem.

New for old replacement

If your home is damaged, or your contents are damaged beyond repair or stolen, we'll rebuild, replace or repair with new items or new materials regardless of age.

New for old replacement

If your home is damaged, we'll rebuild, replace or repair it with new items or new materials regardless of age.

New for old replacement

If your contents are stolen or damaged beyond repair, we'll rebuild, replace or repair with new items or new materials regardless of age.

Temporary accommodation costs - home owners

If your home is unliveable after an event, we'll pay for your reasonable temporary accommodation costs until your home is rebuilt or repaired to a liveable condition.

Storage of undamaged contents

If you make a claim for your contents after an event and we agree that you also have undamaged contents that cannot be kept at your home, we'll pay the reasonable cost to store the undamaged contents until they can be kept at your home.

Costs to re-establish important documents

We'll cover the costs to re-establish documents like birth and marriage certificates, driving licences, passports, jewellery valuations, wills and the land title to your home.

Mortgage discharge costs

If we pay a claim for your home to a credit provider that fully repays your home loan, we'll pay the administrative and legal costs of discharging the mortgage or deleting the mortgagee from the land title on your home.

Supplementary living expenses

If your home is unliveable after an event we'll cover any reasonable increase in normal living expenses which are necessary to maintain your normal standard of living until your home is liveable or you are permanently relocated.

Temporary accommodation costs - tenants and strata owners

If the home is unliveable after an event, we'll pay for your reasonable temporary accommodation costs until the home is rebuilt or repaired to a liveable condition.

Loss of renewable energy supply

Covers electricity costs that you start to incur if your alternative green energy generation equipment is lost or damaged by an insured event and is unable to supply power.

Environmental improvements

This covers the purchase and installation of environmental improvements like a rainwater tank, solar system or compost equipment. This only applies if the accepted claim is for damage worth over 80% of your home sum insured, your home doesn't already have the environmental equipment, we've authorised home repairs and you sought our agreement prior to purchasing or installing the relevant equipment.

Garden and plant damage

We'll pay the cost to replace trees, shrubs, plants, hedges or garden beds at your home after an event with ones that we consider are reasonably similar. This doesn’t include damage to lawns, grass or pot plants and excludes damage caused by a storm, flood or escape of liquid.

Debris removal

We’ll pay the reasonable and necessary costs of demolishing and removing the damaged parts of your home in order to repair it. It doesn’t include removal of tree stumps and roots in the ground or debris, like fallen trees, that haven’t damaged your home.

Make safe repairs and other rebuilding costs

This covers temporary work to make your home safe, professional services such as architects or surveyors and work to make damaged parts of your home meet current building regulation compliance (providing your home complied before it was damaged).
It doesn’t cover the removal of tree stumps and roots in the ground, removal of trees and branches that haven’t damaged your home, or work on undamaged areas of the home.

Contents in commercial storage

If you have contents in a secure commercial storage facility we'll cover them for loss or damage by an insured event as long as the facility is lockable, only accessible by you or someone authorised by you, and is fully enclosed by walls (including doors), floor and roof.

Contents in transit

If you're permanently moving to a new address in Australia, we'll cover your contents while they're being moved, for loss or damage caused by: fire; flood; collision, overturning, accident or theft of the vehicle carrying them.

Contents on common property - unit owners

For unit owners only. We cover contents permanently fixed on or to common property of your residential complex on the same basis as if they were part of your home.

Contents temporarily removed

This covers your contents when you temporarily move to live at another Australian residence, for up to 180 days, or when held in a bank deposit box in Australia.

Platinum contents - cover anywhere in Australia and New Zealand

Provides cover for accidental loss or damage to your contents, including portable valuables, anywhere in Australia and New Zealand when temporarily removed for up to 180 days. Includes jewellery and watches you list on your contents policy when being worn or held securely in a safe, for up to 100 days.

Visitors' contents

Provides cover for loss or damage to contents owned by invited visitors staying at your home for up to 30 consecutive days.

Food and medication spoilage

We cover spoilage of refrigerated food, frozen food and refrigerated medicine at your home (no excess applies) caused by:
- an insured event
- the sudden escape of refrigerant fumes
- electrical or electronic breakdown, failure or malfunction
- the public electricity supply failing to reach your home.

Security call-out fees

We’ll pay the fee (no excess applies) charged by your security provider to respond if your monitored alarm is activated by an illegal or attempted break in, malicious damage or act of vandalism providing you supply evidence that it triggered the alarm. False alarms, like those triggered by a pet, and unknown triggers are not covered. Also referred to as security attendance fees.

Transaction fraud cover

We provide cover if your credit cards or other financial transaction cards are physically stolen from your home and used fraudulently, less any amount covered by your transaction card provider. No excess applies.

Lock replacement

We cover the necessary costs of replacing or recoding locks to the external doors or windows of your home or unit if the keys to those locks are stolen anywhere in Australia or New Zealand. No excess applies.

Leak exploration costs

We'll pay the cost of locating the source of the liquid escaping or overflowing at the home and repair and restore the damage caused by our exploratory work.

Uninstalled fittings, fixtures and materials

You're covered for uninstalled building fittings, fixtures and materials like uninstalled kitchen cabinets or taps if they are stored in a locked and secure building at your home.

Home office equipment - business use

This covers office equipment kept at your home for business use which is of a clerical nature only, for example a desk or office chair.

Tools of trade - business use

This means tools or equipment used for any business activity except for home office equipment.

Money, vouchers and cashable items

This includes cash, smart cards, phone cards, documents able to be cashed or traded, vouchers, money orders or stamps (not in a set or collection).

Jewellery & watches (Flex)

This covers jewellery and watches at your home only. It has a flexible limit which you can choose to increase for an additional cost. To cover jewellery and other items away from home, consider Portable Valuables - see optional covers.

Art & antiques (Flex)

This includes paintings, pictures, works of art, antiques, sculptures, ornaments and art objects. It has a flexible limit which you can choose to increase for an additional cost.

Collections & memorabilia (Flex)

This includes collections, sets and memorabilia, including stamps, stamp collections, collector’s pins, medals and currency no longer in circulation. It has a flexible limit which you can choose to increase for an additional cost.

Motor burnout

Covers electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your fridge, air conditioning unit or swimming pool pump.

Motor burnout

Covers electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your air conditioning unit or swimming pool pump.

Motor burnout

Cover for electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your freestanding fridge.

Accidental damage at home

This covers you if you lose, break or damage something by accident at your home for example by dropping, knocking over or spilling something without intent.

Accidental damage at the property

This covers you if you lose, break or damage something by accident at your home for example by dropping, knocking over or spilling something without intent.

Safety Net home protection

This 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.
For example:
- With a 25% Safety Net, if your sum insured is $400,000 you'll be covered for an additional $100,000, or $500,000 in total.
- With a 30% Safety Net, if your sum insured is $400,000 you'll be covered for an additional $120,000, or $520,000 in total.

Portable valuables

Provides cover for items normally carried with you away from home like your mobile phone, jewellery, camera, tablet or laptop. It also includes sports equipment when not in use except for your bicycle which is covered when in use providing you aren't pace-making or racing.

Injury to pet dogs and cats

Provides up to $2,000 for necessary vet treatment if your pet dog or cat is injured in an accident anywhere in Australia. It doesn't include illness or pre-existing conditions but does cover things like tick bites and tick poisoning.

Domestic workers compensation

For ACT and WA residents only. This covers your legal liability to pay workers compensation to your domestic employee, i.e. a gardener or cleaner working in your home, if your employee is injured while working for you during the period of insurance. The terms and extent of cover are those set out in the relevant workers compensation laws of the state or territory of your home.

Strata title mortgage protection - unit owners only

This covers strata title property owners if your body corporate building insurance doesn’t cover the insured event or the full cost or repairing or rebuilding and your mortgage lender makes a claim under the body corporate policy for repayment of the mortgage.
We’ll pay the lowest of these:
1. The difference between the amount covered by the body corporate insurance and the cost of repairs (where the cost exceeds the cover limit of your body corporate insurance).
2. The amount to fully repay your mortgage for the unit at the time of the loss or damage.
3. The sum insured for the mortgagee’s interest shown on your certificate of insurance.

Sum Insured

This is the amount you choose to insure for. It's important that your sum insured reflects the value of what you want to insure as it’s the maximum we'll pay for any one incident if you need to make a claim. You should regularly review your sum insured to ensure it remains accurate.

Motor Burnout

Cover for electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your fridge, air conditioning unit or swimming pool pump.

Leak Exploration

We'll pay for the reasonable cost of searching for the source of leaks in pipes and water containers at the insured address and restoring damage caused by the exploration work.

Fraud Protection

Provides cover if your funds are misused or stolen as fraudulent embezzlement or theft, misappropriation or conversion by an office bearer or your employee.

Unit Fittings

If contents are insured in a unit we cover the fittings that aren’t legally part of the building according to the relevant state law such as lino, floating wooden floors, air conditioners and wall paint and paper for New South Wales.

Loss of rent - property

If we agree the property can't be lived in after an event, we'll pay the weekly rental amount for the reasonable amount of time we decide it should take to repair or rebuild the property so it can be lived in again. Up to 52 weeks or 10% of your property sum insured (the amount you insured your property for).

Loss of rent - contents

If we agree the unit can't be lived in after an event, we'll pay the weekly rental amount for the reasonable amount of time we decide it should take to repair or rebuild the property so it can be lived in again. Up to 52 weeks or 10% of your contents sum insured (the amount you insured your contents for).

Tenant default

This covers you if your tenant leaves the property without notice or stops paying the rent while in the property. It provides up to $5,000 for up to 14 weeks, if you have a written rental agreement, or 2 weeks with a periodic rental agreement.

Temporary Accommodation

For tenants or strata title owners. If your home is unliveable after an event, we'll pay for your reasonable temporary accommodation costs, up to 10% of your sum insured (the amount you insured your general contents for), until your home is rebuilt or repaired to a liveable condition.

Temporary Accommodation

If your home is unliveable after an event, we'll pay for your reasonable temporary accommodation costs, up to 10% of your sum insured (the amount you insured your home for), until your home is rebuilt or repaired to a liveable condition.

Safety Net Property Protection

This 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, up to 25% of the property sum insured. 

For example: 

- If your property sum insured is $400,000 you'll be covered for an additional $100,000, or $500,000 in total.

Safety Net

This 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. 

For example:

- With a 25% Safety Net, if your sum insured is $400,000 you'll be covered for an additional $100,000, or $500,000 in total. 

- With a 30% Safety Net, if your sum insured is $400,000 you'll be covered for an additional $120,000, or $520,000 in total.

Security Call-Out Fees

We’ll pay the fee (no excess applies) charged by your security provider to respond if your monitored alarm is activated by an illegal or attempted break in, malicious damage or act of vandalism providing you supply evidence that it triggered the alarm. False alarms, like those triggered by a pet, and unknown triggers are not covered. Also referred to as security attendance fees.

In Transit

If you're permanently moving to a new address in Australia, we'll cover your contents while they're being moved, for loss or damage caused by: fire; flood; collision, overturning, accident or theft of the vehicle carrying them.

Portable Valuables

These are items normally carried with you away from home like your mobile phone, jewellery, camera, tablet or laptop. It also includes sports equipment when not in use except for your bicycle which is covered when in use providing you aren't pace-making or racing.

Motor Burnout

Covers electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your freestanding fridge.

Motor Burnout

Covers electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your air conditioning unit or swimming pool pump.

Motor Burnout

Covers electric motors in household equipment and appliances under 11 years old when they burnout or fuse. This includes things like the motor in your fridge or air conditioning unit.