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 took out three Mozo People's Choice Awards in 2021!

GIO offers the following home insurance

Rates and fees verified as correct at 20 September, 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
Value for money
Policy coverage
Customer service
Claims handling
Trust

176 Reviews

Recent GIO home insurance reviews

GIO Home & Contents Insurance
Overall 10/10
Professional honest reliable and ethical company

Service outlet provides helpful advice in avoiding unnecessary expense. They take into account the reality of my needs and my situation. It is rare to find a company that provides a service that focuses on the individual needs of the client. I recommend very professional personalised approach.

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Service outlet provides helpful advice in avoiding unnecessary expense. They take into account the reality of my needs and my situation. It is rare to find a company that provides a service that focuses on the individual needs of the client. I recommend very professional personalised approach.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Mary, New South Wales, reviewed 20 days ago
GIO Home & Contents Insurance
Overall 9/10
Mitchell - Fantastic customer service

GIO assisted me with my policy to add on an E-bike to be covered under house insurance. They did an amazing job, their service was personable and they went the extra mile to make sure I got the best deal possible. GIO was very knowledgeable and easily understandable. They managed to get my policy discounted under the original premium with the added extra e-bike insured. Thanks so much.

Read full review

GIO assisted me with my policy to add on an E-bike to be covered under house insurance. They did an amazing job, their service was personable and they went the extra mile to make sure I got the best deal possible. GIO was very knowledgeable and easily understandable. They managed to get my policy discounted under the original premium with the added extra e-bike insured. Thanks so much.

Policy coverage
8/10
Customer service
10/10
Less
Michaela, Victoria, reviewed about 2 months ago
GIO Building Insurance
Overall 1/10
Bad insurance companies

The house I rent is insured with GIO.it is full of mould because GIO used a poor quality roofer years ago and I have been sick from the water inside the walls for years. Although they know about the problem and will probably fix the house, they will not provide a healthy residence for me while I wait and wait for them to fix the sickening mould problem. I have thrown out most of my furniture due to mould and now sleep in the dining room to avoid the mouldy carpet in the bedroom. GIO says they won't supply me somewhere to live because it's my landlord's policy, not mine. NRMA is my contents insurer and are not upholding my policy's offer of a healthy place to live until the house is repaired. Why are 2 big Australian insurance companies such losers?

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The house I rent is insured with GIO.it is full of mould because GIO used a poor quality roofer years ago and I have been sick from the water inside the walls for years. Although they know about the problem and will probably fix the house, they will not provide a healthy residence for me while I wait and wait for them to fix the sickening mould problem. I have thrown out most of my furniture due to mould and now sleep in the dining room to avoid the mouldy carpet in the bedroom. GIO says they won't supply me somewhere to live because it's my landlord's policy, not mine. NRMA is my contents insurer and are not upholding my policy's offer of a healthy place to live until the house is repaired. Why are 2 big Australian insurance companies such losers?

Customer service
1/10
Trust
1/10
Less
Jonathan, New South Wales, reviewed 2 months ago
GIO Building Insurance
Overall 1/10
Gio insurance are thief's.

This company takes your money but won't cover you when you have damage to your Roof after a storm.

Read full review

This company takes your money but won't cover you when you have damage to your Roof after a storm.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Marty, Victoria, reviewed 3 months ago

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