Contents Insurance

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

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 (including bushfire) 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?

Lifetime guarantee on authorised repairs

Temporary accommodation for tenants or strata title owners (up to 10% of general contents sum insured)

FOR A COMPLETE LIST REFER TO THE PDS


Some of the things we don’t cover

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)

We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

FOR A COMPLETE LIST SEE SECTION 3 ‘THINGS WE DON’T COVER’ IN THE PDS


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. A GIO NSW CTP Insurance policy or GIO ACT MAI Insurance policy will count as an eligible policy, but the premium for these policies cannot be discounted. View T&Cs

Multi-Policy Discount

LEVELS OF COVER

Compare Contents Insurance options

You can claim for these after an insured event has occurred.

GIO provides

Classic

Classic Extras

Platinum

Classic

Yes

Classic Extras

Yes

Platinum

Yes

Classic

Yes

Classic Extras

Yes

Platinum

Yes

You can claim for these after an insured event has occurred.

Additional Covers

Classic

Classic Extras

Platinum

Classic

Up to 10% of general contents sum insured

Classic Extras

Up to 10% of general contents sum insured

Platinum

Up to 10% of general contents sum insured

Classic

$500

Classic Extras

$1,000

Platinum

$2,500

Classic

Classic Extras

Platinum

Classic

$500

Classic Extras

$1,000

Platinum

$2,000

We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. For full details see section 3 ‘Things we don’t cover’ in the PDS

Classic

Classic Extras

Platinum

Classic

$2,000 per item;
$4,000 total

Classic Extras

$3,000 per item;
$10,000 total

Platinum

$10,000 per item;
$40,000 total

(Flex) flexible limits - you can choose to increase the limits shown for an additional cost

Classic

Classic Extras

Platinum

Classic

Optional

Classic Extras

Automatically included

Platinum

Automatically included

Classic

Optional

Classic Extras

Automatically included

Platinum

Automatically included

Classic

Optional

Classic Extras

Included: $1,000 per item
up to $4,000 for all items

Platinum

n/a
all contents covered away from home with Platinum contents

Classic

Optional

Classic Extras

Optional

Platinum

Optional

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 (including bushfire). You’ll also be covered for temporary accommodation costs if the building is damaged and cannot be lived in.

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 over 95 years


WAYS TO SAVE

Discounts we offer and things to check

FAQs

People also ask

Important information

*If you’re eligible for more than one discount, we apply them in a pre-set order to the discounted premium, before government taxes and charges.

^Discount not applicable to GIO Roadside Assist, GIO Home Assist, Excess-free Glass or Domestic Workers Compensation optional covers.