Is there a cooling-off period for GIO Home Insurance?

Yes, GIO includes a 21-day cooling-off period. If you cancel within 21 days of purchasing or renewing your policy and haven’t made a claim, you’ll receive a full refund.

What is the excess on a GIO Home Insurance policy?

GIO offers flexible excess options, letting you choose an amount that suits your budget and comfort level. To see the exact excess options available for your policy, it’s best to get a personalised quote.

How do I make a claim with GIO Home Insurance?

You can make a claim through the GIO Insurance online claims portal , through their app, or by calling their support line at 13 10 10 . Have incident details, supporting documents, and any relevant photos ready to streamline the process.

Can I adjust my GIO Home Insurance policy over time?

Yes, you can make changes to your GIO policy as your needs evolve. Whether it’s adding coverage, updating your insured amount, or changing your excess, simply contact GIO or make adjustments through their online portal.

Does GIO cover temporary accommodation if my home becomes uninhabitable?

Yes, GIO can cover temporary accommodation if an insured event leaves your home uninhabitable. Coverage details and limits vary, so it’s worth checking your policy or giving GIO a call to clarify what’s included.

GIO home insurance customer reviews and comparisons for 2025

Classic Home

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Optional Extra - Up to 25% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Optional Extra - Up to 25% of sum insured

New for old: Yes

Building cover

Contents cover: n/a

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Optional Extra, up to 10 years old

Power surge: No

Accidental loss and damage: Optional Extra

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: No

Contents while moving: No

Antiques and valuables: No

Cash: No

Cd dvd and electronic files: No

Computer software and hardware: No

Camera and accessories: No

Carpets: No

Home office contents: No

Identity theft: No

Jewellery: No

Personal medical equipment: No

Replacement of documents: No

Tools of trade: No

Lock replacement: Up to $500

Emergency storage: No

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $500

Demolition cost: Up to 15% of sum insured combined with debris removal cost

Debris removal: Up to 15% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden boarders, pathways and paved areas.

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Classic Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: No

New for old replacement: Yes

No Partner link

Underinsurance protection: No

New for old: Yes

Building cover: n/a

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Optional Extra, up to 10 years old

Power surge: No

Accidental loss and damage: Optional Extra

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $10,000 per item or set, up to $50,000 in total, up to $2,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $2,000 per item or set. Up to $4,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $1,000

Lock replacement: Up to $500

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: No

Buildings and structural improvements: No

Building materials: No

Demolition cost: No

Debris removal: Up to 10% of sum insured

Landscaping: No

Gates and fences: No

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Classic Home & Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Optional Extra - Up to 25% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Optional Extra - Up to 25% of sum insured

New for old: Yes

Building cover

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Optional Extra, up to 10 years old

Power surge: No

Accidental loss and damage: Optional Extra

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $10,000 per item or set, up to $50,000 in total, up to $2,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $2,000 per item or set. Up to $4,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $1,000

Lock replacement: Up to $500

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $500

Demolition cost: Up to 15% of sum insured combined with debris removal cost

Debris removal: Up to 15% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden boarders, pathways and paved areas.

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Classic Extra Home

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Yes - Up to 25% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Yes - Up to 25% of sum insured

New for old: Yes

Building cover

Contents cover: n/a

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: No

Contents while moving: No

Antiques and valuables: No

Cash: No

Cd dvd and electronic files: No

Computer software and hardware: No

Camera and accessories: No

Carpets: No

Home office contents: No

Identity theft: No

Jewellery: No

Personal medical equipment: No

Replacement of documents: No

Tools of trade: No

Lock replacement: Up to $1,000

Emergency storage: No

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $1,000

Demolition cost: Up to 20% of sum insured combined with debris removal cost

Debris removal: Up to 20% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Classic Extra Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: No

New for old replacement: Yes

No Partner link

Underinsurance protection: No

New for old: Yes

Building cover: n/a

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $20,000 per item or set, up to $80,000 in total, up to $5,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $3,000 per item or set. Up to $10,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $2,000

Lock replacement: Up to $1,000

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: No

Buildings and structural improvements: No

Building materials: No

Demolition cost: No

Debris removal: Up to 15% of sum insured

Landscaping: No

Gates and fences: No

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Classic Extra Home & Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Yes - Up to 25% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Yes - Up to 25% of sum insured

New for old: Yes

Building cover

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $5,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $20,000 per item or set, up to $80,000 in total, up to $5,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $3,000 per item or set. Up to $10,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $2,000

Lock replacement: Up to $1,000

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 10% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 10% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $1,000

Demolition cost: Up to 20% of sum insured combined with debris removal cost

Debris removal: Up to 20% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden borders, pathways and paved areas. Up to $1,000 for plants

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Platinum Home

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Yes - Up to 30% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Yes - Up to 30% of sum insured

New for old: Yes

Building cover

Contents cover: n/a

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $10,000 for death

Monthly payments cost extra: Yes

General contents: No

Contents while moving: No

Antiques and valuables: No

Cash: No

Cd dvd and electronic files: No

Computer software and hardware: No

Camera and accessories: No

Carpets: No

Home office contents: No

Identity theft: No

Jewellery: No

Personal medical equipment: No

Replacement of documents: No

Tools of trade: No

Lock replacement: Up to $2,500

Emergency storage: No

Temporary accommodation: Up to 1=5% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 15% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $2,000

Demolition cost: Up to 25% of sum insured combined with debris removal cost

Debris removal: Up to 25% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Platinum Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: No

New for old replacement: Yes

No Partner link

Underinsurance protection: No

New for old: Yes

Building cover: n/a

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $10,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $200,000 in total, up to $50,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $10,000 per item or set. Up to $40,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $5,000

Lock replacement: Up to $2,500

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 15% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 15% of sum insured combined with temporary accommodation

Temporary repairs: No

Buildings and structural improvements: No

Building materials: No

Demolition cost: No

Debris removal: Up to 20% of sum insured

Landscaping: No

Gates and fences: No

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Platinum Home & Contents

Main events covered

Monthly payments cost extra: Yes

Underinsurance protection: Yes - Up to 30% of sum insured

New for old replacement: Yes

No Partner link

Underinsurance protection: Yes - Up to 30% of sum insured

New for old: Yes

Building cover

Contents cover

Fire: Yes

Theft or burglary: Yes

Storm: Yes

Flood: Yes

Lightning: Yes

Earthquake: Yes

Storm surge: Yes

Fusion: Up to 10 years old

Power surge: No

Accidental loss and damage: Yes

Accidental breakage of glass: Yes

Death and injury cover: $10,000 for death

Monthly payments cost extra: Yes

General contents: Yes

Contents while moving: Yes

Antiques and valuables: Up to $200,000 in total, up to $50,000 for collections

Cash: No

Cd dvd and electronic files: Yes

Computer software and hardware: Yes

Camera and accessories: Yes

Carpets: Yes

Home office contents: Yes

Identity theft: No

Jewellery: Up to $10,000 per item or set. Up to $40,000 in total

Personal medical equipment: Yes

Replacement of documents: Up to $500

Tools of trade: Up to $5,000

Lock replacement: Up to $2,500

Emergency storage: Up to 10% of sum insured

Temporary accommodation: Up to 15% of sum insured combined with temporary accommodation for pets

Temporary accommodation for pets: Up to 15% of sum insured combined with temporary accommodation

Temporary repairs: Yes

Buildings and structural improvements: Yes

Building materials: Up to $2,000

Demolition cost: Up to 25% of sum insured combined with debris removal cost

Debris removal: Up to 25% of sum insured combined with demolition cost

Landscaping: Yes, retaining walls, garden borders, pathways and paved areas. Up to $2,000 for plants

Gates and fences: Yes

Legal liability cover: Up to $20,000,000

Days unoccupied until cover stops: 60

Other restrictions: -

Other benefits: -

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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