What ‘extras’ does home insurance cover?

You probably know your home insurance covers the basic structure of your house – your roof, walls and windows – but what about your deck or garden shed? There are a few things covered by your GIO home insurance that you may not be aware of. 

Damage from space debris and aircraft

With GIO you’re covered for loss or damage at your home (which includes your deck or garden shed) caused by a range of event, but did you know this includes impact by space debris and aircraft? A maelstrom of moon rocks may be unlikely, but it’s good to know you’re covered if it does happen!

Environmental improvements

If we authorise or arrange repairs to your home for loss or damage caused by an insured event and the loss or damage to your home is worth more than 80% of your home sum insured, we’ll help cover the costs associated with adding things like a rainwater tank and solar system to help you and your household be greener and more self-sustainable.

Mortgage discharge costs (Home cover only)

If you have home cover and we pay a claim to a credit provider that fully repays your home loan, we’ll also pay administrative and legal costs associated with discharging the loan and deleting the mortgage from land titles. We’ll pay between $1,000-$2,000 for any one incident, depending on your level of cover.


When you have Classic Extras or Platinum Home and Contents Insurance and your precious plants, shrubs and trees are lost or damaged as a result of insured event such as theft, malicious acts and vandalism, we’ll pay the cost of replacing them.

Removal of debris

When your home is damaged by an insured event, we’ll pay the cost of demolishing and removing the damaged parts of your home, or removing debris when required to repair your home. If your home is damaged by the impact from a falling tree, we’ll cover the cost to remove the parts of the tree which damaged your home and dispose of them.

Choosing the right cover

With GIO Home and Contents Insurance choose from three levels of cover, each of which insures your precious home and its contents in the event of damage caused by fire (including bushfire), flood, storms, theft and more.

Explore GIO Home and Contents Insurance

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This is a summary only. For full details of the cover and for the limits, conditions and exclusions which apply please read the GIO Home and Contents PDS. Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read the Product Disclosure Statement before buying 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.