Classic Home
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
-
New for old replacement
-
Yes
- 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 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% 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
-
Classic Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- 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
-
Yes
- 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
-
Classic Home & Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Optional Extra - Up to 25% of sum insured
-
New for old replacement
-
Yes
- 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
-
Yes
- 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 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% 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
-
Classic Extra Home
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- 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 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 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
-
Classic Extra Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- 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 $1,000
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Yes
- 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
-
Classic Extra Home & Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- 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 $1,000
- Tools of trade
-
Up to $2,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Yes
- 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 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 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
-
Platinum Home
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 30% of sum insured
-
New for old replacement
-
Yes
- 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 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 $2,000
- 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 $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
-
Platinum Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- 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 $2,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $2,500
- Emergency storage
-
Yes
- 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 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
-
Platinum Home & Contents
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 30% of sum insured
-
New for old replacement
-
Yes
- 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 $2,000
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Up to $2,500
- Emergency storage
-
Yes
- 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 $2,000
- 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 $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
-
Your selected home insurance
GIO home insurance ratings
Customer reviews
-
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.
-
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.
-
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.
-
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.
-
GIO: A Leaky Umbrella in Insurance Storms
GIO Home Insurance, though it has its merits, is akin to a leaky umbrella - it provides some protection, but leaves you exposed when it matters most. The 20% silver lining in this cloud is their customer service; the team is polite and responsive, which makes the process more bearable. However, 80% of the time, it feels like navigating a labyrinth of disappointment. Their coverage options are restrictive and can be frustratingly inflexible. Claim processing is slow and cumbersome, and the fine print often conceals unpleasant surprises that may leave you feeling betrayed. The premiums can be steep, making it challenging for those on a budget to obtain satisfactory coverage. While GIO's digital platform is user-friendly, it doesn't compensate for the shortcomings in policy offerings and overall value. Those interested in GIO Home Insurance should carefully evaluate their options, deciphering the fine print and seeking alternatives that better cater to their requirements.
-
GIO will make you work for any claims.
GIO will do everything they can to weasel out of a claim. If you ever make a claim be sure to escalate because they'll use every trick in the book to deny you. It took me 2 months to battle them before they finally agreed to pay up. They're underwritten by Suncorp Insurance. Not impressed.
GIO products
Home insurance quick links
* 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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