Contents Insurance

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

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The content on this page applies to policies started or renewed on or after 24 May 2025.

Contents Insurance

What’s covered 

What’s not covered? 

  • Damage to anything considered the Home
  • Plants, hedges, soil or garden matter like pebbles
  • 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. Read the PDS for more detail.

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

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FOR A COMPLETE LIST REFER TO THE PDS

Contents Insurance for renters

If you’re renting a property or are a tenant in the home you live in, you can still take out insurance for your contents and valuable items.

GIO Contents Insurance can benefit you by providing cover for your contents such as whitegoods, furniture, clothing, and electrical items as well as valuables against events like theft and burglary, storms, floods, or fire (including bushfire). You may also be covered for reasonable temporary accommodation costs if the building is damaged and cannot be lived in. Read the GIO Home and Contents PDS for more details.

Compare levels of cover

GIO provides

Classic

Classic Extras

Platinum

Additional covers

Classic

Classic Extras

Platinum

Up to 10% of general contents sum insured

Up to 10% of general contents sum insured

Up to 10% of general contents sum insured

$500

$1,000

$2,500

$500

$500

$500

$2,000 per item or set;
Up to $4,000 total for all items and sets

$3,000 per item or set;
Up to $10,000 total for all items and sets

$10,000 per item or set;
Up to $40,000 total for all items and sets

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. See the PDS for full details

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

Optional covers

Classic

Classic Extras

Platinum

Optional

Automatically included

Automatically included

Optional

Automatically included

Automatically included

Optional

Included: up to $1,000 per item, pair, set, or collection,
up to $4,000 in total

N/A
all contents covered away from home with Platinum contents. Limits and exclusions apply.

Optional

Optional

N/A
all contents covered away from home with Platinum contents. Limits and exclusions apply.

Optional

Optional

Optional

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.

Flexible cover

Choose the level of cover that suits you and pay your premium annually or monthly.

Est. in 1927

We’ve been a trusted insurer for over 95 years.

HERE TO HELP

Home Insurance

Covers damage to your house from a range of events. Includes a guarantee on authorised repairs and new-for-old replacement, so you can feel secure.

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Contents Insurance Calculator

Our Contents Insurance Calculator can help you estimate how much to insure your items for.

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Policy documents

WAYS TO SAVE

Discounts we offer and things to check

FAQs

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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 or Excess-free Glass cover optional covers.

Storm surge

Storm surge means a rush of water onshore associated with a low pressure system and caused by strong winds pushing on the ocean’s surface. It does not include actions or movement of the sea. The Loss or damage caused by storm surge must happen at the same time as the other insured damage caused by storm.

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, or storm surges, and we don't cover loss or damage to retaining walls, sea walls, garden borders and free-standing outdoor walls.

Storm

We do not cover loss or damage caused by actions or movements of the sea even if they occur during a storm, flood or storm surge.

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 that is the direct result of a fire within 100 metres of the insured address. Arcing, scorching and cigarette burns are not fire damage unless a fire spreads from the initial burn spot.

If there is a bushfire in your area, we will also cover the extra costs of replacing water in any tank, container, pool, spa or other storage vessel that has been used to limit the spread of bushfires in your area, and the cost of cleaning any fire retardant off your home. The most we will pay under this extra costs cover is $1,000 for any one incident.

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.

Escape of liquid

This covers loss or damage caused by sudden and unexpected liquid escaping from certain appliances, fixed pipes, drains and more.

We also cover loss or damage caused by liquid escaping from these items that has occurred gradually when the loss or damage that was occurring wasn’t easily visible to a reasonable person in the circumstances.

We do not cover the cost of fixing the item from which the liquid escaped, or loss or damage caused by liquid from a portable container. Other exclusions apply. See the PDS for more details on what we do and don't cover.

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.

Temporary accommodation for tenants and strata title owners

If you can't live in your home or unit while it's being repaired or rebuilt as a result of it being damaged by an insured event, we’ll pay your reasonable temporary accommodation costs for you and your pets that you normally keep at the insured address. If you're a tenant who needs to temporarily move out, then we’ll pay for any reasonable extra rent costs for temporary accommodation. The most we'll pay for any one incident under this cover is 10% of your general contents sum insured. Conditions and exclusions apply, see the PDS for details.

Contents in commercial storage (Contents cover only)

If you have contents in a secure commercial storage facility we'll cover them during the period of insurance 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. Please read the PDS for limits and exclusions.

Cover for contents while moving to a new address (Contents cover only)

If you have contents cover and you’re permanently moving to a new address in Australia, we’ll cover your contents while they are being moved, for loss or damage during the period of insurance caused by:

  • fire
  • flood
  • collision, overturning, accident, or theft of the vehicle carrying them.