INSURING YOUR HOME

What does GIO Home and Contents Insurance cover?


From floods and fire to accidental damage and burglary – there’s plenty that can go wrong to your house or property. Hopefully, nothing ever does! But it’s still important to know what is and isn’t covered for when you purchase a GIO Home and Contents policy.

Is accidental damage covered by my GIO Home and Contents Insurance policy?

No one is immune to the occasional act of clumsiness, which is why some cover from accidental damage is a plus with you Home and Contents policy.

Accidental damage at the home is an optional extra with GIO Classic Home and Contents Insurance. It’s automatically included in Classic Extras and Platinum cover.

You can find out more about the different levels of cover offered by GIO.

Does my GIO Home and Contents policy cover flood?

Depending on where you live the threat of flood can be at the back of home owners’ minds.

Fortunately, all levels of GIO Home and Contents Insurance provide cover for loss or damage caused by a range of insured events, including flood# .

Get a Home and Contents Insurance quote

Is my mobile phone covered by GIO Home and Contents Insurance?

With Platinum cover, all contents are covered for insured events away from home. This includes things like your mobile phone.

Under a Classic Extras policy, unspecified portable valuables are covered up to $1,000 per item, and up to $4,000 in total. So once the $100 excess is taken into consideration, you can reclaim a maximum of $900 if your phone is lost or damaged in an insured event. You also have the option to insure your smartphone for its full value on a Classic or Classic Extras policy by adding ‘Portable valuables - specified items’ to your cover.

Read more about making sure your smartphone is covered with portable valuables cover.

Does GIO Home and Contents Insurance cover theft?

Yes! No matter what level of cover you have with GIO, there are certain events that are covered. One of those is theft.

Also included is:

  • Storm or Lightning
  • Fire (including Bushfire)
  • Earthquake or Tsunami
  • Accidental glass breakage
  • Escape of Liquid
  • Impact
  • Damage by an animal
  • Explosion
  • Riot and public disturbance
  • Malicious acts of vandalism

Check out the GIO Home and Contents Insurance Comparison for a rundown of what is and isn’t covered depending on your level of cover.

Does GIO Home Insurance cover mould or rust?

GIO doesn’t cover loss or damage caused by wear, tear, rust, fading, rising damp, mould, mildew, corrosion, or rot.

The good news is we will cover loss or damage caused by liquid leaking, bursting, or overflowing from an array of different things, including refrigerators, swimming pools, fixed heating cooling systems, and more. For a full list of appliances that are covered for the escape of liquid, see page 26 of the GIO Home and Contents Insurance Product Disclosure Statement (PDS).

Will my GIO Contents Insurance include kitchen appliances?

The ‘Contents’ part of Home and Contents Insurance (or Contents Insurance alone if that’s the type of policy you have) includes items which are not permanently attached to your home or insured address. That includes unfixed electrical goods and appliances that are not kept in a cabinet. So, your toaster, kettle, microwave, and other kitchen appliances that sit on your kitchen bench (and that must still be able to be used for the purpose they were intended) are included in your Contents policy.

And everything else?

To get the best idea of what is and isn’t covered by GIO Home and Contents Insurance, compare our three levels of cover, and also read the PDS.

Read more:


# Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm). Other exclusions apply.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.