How do I compare home and contents insurance?

Home and Contents Insurance can provide coverage for your house and belongings in an insured event, like a burglary, fire (including bushfire), flood or storm.

But with so many insurers offering so many options, it can be difficult to know if you’re comparing apples with apples. Here are some handy tips to help you compare Home and Contents Insurance policies and ensure you get the cover that’s best for you.

Compare Home and Contents Insurance policies

First things first!

The most common types of Home and Contents Insurance include:

  • Home insurance, which covers the building itself and permanent fixtures 
  • Contents insurance, which covers the stuff in and around the home, like furniture and appliances, and
  • Combined Home and Contents Insurance.

Once you’ve decided on the type you need, it’s time to do some research about specific policies. Different policies might look similar on the surface, but you’ll have to dive into the details. The first step for your comparison is to work out exactly what these are.

Make a list of your home insurance must-haves, such as theft and flood cover, and the types of cover you can live without. Once you’re clear on what you’re after, it’ll be easier to compare the pros and cons of the policies you’re considering.    

Compare home and contents insurance options 

Compare optional covers

On top of what’s automatically included, some policies may offer a range of optional covers. They provide extra coverage for things like portable valuables or accidental damage, which don’t come as standard on your policy.

Before taking out a basic policy, consider what optional covers might be useful for you. 

Things to think about include whether:

  • your sum insured is accurate
  • you take valuable items with you away from home
  • you have valuable items you’ll need to specify on your policy, and
  • you’d like to have access to a tradie in the event of a home emergency.

Read more about GIO’s optional covers.

Compare Home and Contents Insurance quotes

To make an informed decision on your Home and Contents Insurance, you need to have good information. Be sure to ask for a quote for every policy you’re considering, and compare that quote against others you’ve received. Some insurers — including GIO — offer a discount on your policy when you get a quote and purchase it online.

At GIO, we want to support you to make the decision that’s right for you and your family. If you have any questions about the cover we offer, then give us a call on 13 10 10 or simply get a quote online.

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Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.