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-focussed company.

GIO offers the following home insurance

Rates and fees verified as correct at 06 May, 2021. 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
7.8/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

171 Reviews

Recent GIO home insurance reviews

GIO Home Insurance review
Overall 10/10
The best insurance company by far.

Always ready to listen to better insurance deals and even better they beat the competition.

Read full review

Always ready to listen to better insurance deals and even better they beat the competition.

Value for money
10/10
Policy coverage
9/10
Customer service
10/10
Trust
10/10
Less
Shirley, Victoria, reviewed 18 days ago
GIO Home Insurance review
Overall 1/10
Bad! don't use as they try everything to not pay.

I had a claim made on the 2nd of November 2020 and to this day, March 30 2021, they have still not made repairs, settled the claim or taken action. I have contacted their internal disputes team five times now and each time they make promises to sort it, they end up not doing anything. Don't waste time with internal disputes, go straight to AFCA and make a complaint. My house is mouldy, my family are stressed and exposed to mould. They have tried to cancel my claim, but had to honour it. They have investigated me for fraud and found nothing. They are continually trying to find a way out of providing insurance and it's now five months after the damage was caused. I have had private builders come in and quote it and try to get it fixed but GIO/Suncorp do nothing apart from make drama. Honestly, they are very bad. I would also be concerned if you're a shareholder of GIO as they clearly have no employee training that works, everyone is working from home and getting calls returned or even answered is a struggle. I have had case managers cry on the phone as they simply don't know what they're doing and must be getting worked to the bone by the management of GIO/Suncorp. I would use another brand like NRMA as GIO simply try everything and anything to get out of the claim including going through phone records, police checks, etc and for what? A water leak in the bathroom! They have made me feel like a primal, exposed my family to mould and health risk, don't respond to calls, don't make decisions to get things sorted. Very bad insurance company. Don't use. trust me, they're the worst.

Read full review

I had a claim made on the 2nd of November 2020 and to this day, March 30 2021, they have still not made repairs, settled the claim or taken action. I have contacted their internal disputes team five times now and each time they make promises to sort it, they end up not doing anything. Don't waste time with internal disputes, go straight to AFCA and make a complaint. My house is mouldy, my family are stressed and exposed to mould. They have tried to cancel my claim, but had to honour it. They have investigated me for fraud and found nothing. They are continually trying to find a way out of providing insurance and it's now five months after the damage was caused. I have had private builders come in and quote it and try to get it fixed but GIO/Suncorp do nothing apart from make drama. Honestly, they are very bad. I would also be concerned if you're a shareholder of GIO as they clearly have no employee training that works, everyone is working from home and getting calls returned or even answered is a struggle. I have had case managers cry on the phone as they simply don't know what they're doing and must be getting worked to the bone by the management of GIO/Suncorp. I would use another brand like NRMA as GIO simply try everything and anything to get out of the claim including going through phone records, police checks, etc and for what? A water leak in the bathroom! They have made me feel like a primal, exposed my family to mould and health risk, don't respond to calls, don't make decisions to get things sorted. Very bad insurance company. Don't use. trust me, they're the worst.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Chad, New South Wales, reviewed 20 days ago
GIO Building Insurance review
Overall 5/10
Are you with GIO? Get same comparative quotes NOW!

Been with GIO 30+ years. Latest renewal cost has gone through the roof! We are not in any 'risk' zone. Building insurance ONLY is now 50% more than Westpac's building AND contents. Combined building and contents with GIO was 260% more. And Westpac's cover is more comprehensive with lower excess!

Read full review

Been with GIO 30+ years. Latest renewal cost has gone through the roof! We are not in any 'risk' zone. Building insurance ONLY is now 50% more than Westpac's building AND contents. Combined building and contents with GIO was 260% more. And Westpac's cover is more comprehensive with lower excess!

Value for money
3/10
Policy coverage
7/10
Customer service
10/10
Less
John, New South Wales, reviewed 21 days ago
GIO Home Insurance review
Overall 10/10
Great competitive pricing.

Competitive pricing and great turnaround on claims.

Read full review

Competitive pricing and great turnaround on claims.

Value for money
8/10
Policy coverage
9/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Grant, New South Wales, reviewed 22 days ago

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