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.
You're in control of your Home and Contents Insurance. Choose from three levels of flexible cover to best suit the needs of your household.
Feel better protected with our range of optional covers. Depending on which level of cover you choose, these may be automatically included or available to add on to your policy for an additional cost.
Not sure how much to insure your home or contents for?
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.
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.
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.
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 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