GIO home insurance

Part of the Suncorp Network, GIO has been helping generations of customers feel better protected in navigating the uncertainties of life with their trusted home insurance products and services since 1927

Helping Australians make claims quickly and easily, GIO offer flexible insurance options for owner-occupiers, renters and landlords who want the confidence of insuring with a customer-focused company. They even won multiple awards in the 2023 Mozo Experts Choice Awards for Home and Contents Insurance!

GIO offers the following home insurance

Cover information and limits in the table below verified as correct at 24 April 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Classic Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Classic Extra Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Classic Extra Home
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Classic Extra Home & Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Classic Home
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional Extra

Up to 25% of sum insured

Yes

Classic Home & Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Optional Extra

Up to 25% of sum insured

Yes

Platinum Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Platinum Home
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 30% of sum insured

Yes

Platinum Home & Contents
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 30% of sum insured

Yes

How is GIO home insurance rated?

Mozo users have rated GIO home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
GIO home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

185 Reviews

Recent GIO home insurance reviews

GIO Home Insurance
Overall 7/10
GIO home and contents insurance - worth it.

GIO are a good solid insurance company! I've had house and contents insurance with them for more than 10 years, and I at present see no reason to change from the current arrangement. They allow you to tailor your cover to your own particular circumstances, which suits me. They also have a proven reputation. I guess the disadvantage is the price of the premiums, they have gone up with inflation, like everything else in our economy.

Read full review

GIO are a good solid insurance company! I've had house and contents insurance with them for more than 10 years, and I at present see no reason to change from the current arrangement. They allow you to tailor your cover to your own particular circumstances, which suits me. They also have a proven reputation. I guess the disadvantage is the price of the premiums, they have gone up with inflation, like everything else in our economy.

Value for money
6/10
Policy coverage
9/10
Customer service
6/10
Claims handling
6/10
Trust
9/10
Less
Evan, New South Wales, reviewed 6 months ago
GIO Home & Contents Insurance
Overall 5/10
Does not value loyal customers

The coverage was good and it could be tailored. I had a multi policy with home & contents, car, and caravan and had never made a claim in the 12 years I had the policies. My home & contents insurance went up 53% recently. When I spoke to them about the increase, they didn't make any offers to try and keep me. I shopped around and subsequently took my insurance needs elsewhere.

Read full review

The coverage was good and it could be tailored. I had a multi policy with home & contents, car, and caravan and had never made a claim in the 12 years I had the policies. My home & contents insurance went up 53% recently. When I spoke to them about the increase, they didn't make any offers to try and keep me. I shopped around and subsequently took my insurance needs elsewhere.

Value for money
1/10
Policy coverage
10/10
Customer service
5/10
Less
Leigh, Victoria, reviewed 9 months ago
GIO Home & Contents Insurance
Overall 1/10
Thieves that never pay a claim

Gio will do absolutely anything to avoid paying a claim. Our property was 40cm underwater in 2022 floods, our fibreglass pool popped out of the ground and cracked down the middle during the flood, despite photos and expert reports from 3rd party geo technical engineers confirming without doubt that it occured as a result of the flood, they still refused our claim. We have 9 different insurance policies with GIO and have been with them for 15years plus, they are thieves. Avoid at all costs.

Read full review

Gio will do absolutely anything to avoid paying a claim. Our property was 40cm underwater in 2022 floods, our fibreglass pool popped out of the ground and cracked down the middle during the flood, despite photos and expert reports from 3rd party geo technical engineers confirming without doubt that it occured as a result of the flood, they still refused our claim. We have 9 different insurance policies with GIO and have been with them for 15years plus, they are thieves. Avoid at all costs.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Debbi, New South Wales, reviewed 10 months ago
GIO Home Insurance
Overall 1/10
Incompetent and delayed claims handling

Unorganised claims department that makes many errors then avoid you and delay the claim. They then try to cover up the errors and refuse to discuss. Errors on reports. Errors when they do communicate. Don’t supply reports. Slow to assess and also to begin work. Twist the truth. Use their pool of panel builders. From experience they use subcontractors who are unskilled and not only do they not fix the issue, but cause further damage. GIO do not support you after this. They just try work their way out of it while gaslighting you. They allow crooks aka contractors to charge insane prices for work that isn’t completed. I’d love to show the shareholders how much has been wasted and mismanaged. Premiums are skyrocketing and claims department is incompetent. I can’t believe how GIO treat people during stressful claims and how they delay for significant periods. I don’t know what has happened to this company but it’s frightening and illegal what they do.

Read full review

Unorganised claims department that makes many errors then avoid you and delay the claim. They then try to cover up the errors and refuse to discuss. Errors on reports. Errors when they do communicate. Don’t supply reports. Slow to assess and also to begin work. Twist the truth. Use their pool of panel builders. From experience they use subcontractors who are unskilled and not only do they not fix the issue, but cause further damage. GIO do not support you after this. They just try work their way out of it while gaslighting you. They allow crooks aka contractors to charge insane prices for work that isn’t completed. I’d love to show the shareholders how much has been wasted and mismanaged. Premiums are skyrocketing and claims department is incompetent. I can’t believe how GIO treat people during stressful claims and how they delay for significant periods. I don’t know what has happened to this company but it’s frightening and illegal what they do.

Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Gio, New South Wales, reviewed 11 months ago
See all home insurance reviews
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