Thumbnail icon for GIO

GIO Home & Contents Insurance

The details shown below are for the Classic Extra Home & Contents

The details shown below are for the Classic Home & Contents

The details shown below are for the Platinum Home & Contents

Choose the version of this loan that suits you best

  • Classic Extra Home & Contents

  • Classic Home & Contents

  • Platinum Home & Contents

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review GIO Home & Contents Insurance

Last updated: 11 June 2020.

binocular icon
What's hot
  • 2019 Mozo Experts Choice Award winner
  • Multiple discounts
  • New for old replacement
What's not
  • Monthly payment fee
Mozo snapshot

A standout 2019 Mozo Experts Choice Award winner, GIO’s Classic Extra Home and Contents Insurance took out the title for Exceptional Quality Home & Contents. 

When applying online for any GIO home insurance policy, you’ll automatically get a 10% discount, plus you may also be eligible for a 10% multi-policy discount and a 15% discount if you choose to combine policies. There’s also good news for senior card holders as GIO offers a senior card discount. It’s also worth mentioning that not only will you also get to choose your excess, there’s 24/7 service at your fingertips.

key icon
Key features

This a no joke kind of policy. With GIO’s Classic Extra Home and Contents Insurance, you’ll be covered for things like flood and fire damage, plus 12 other events you’d rather not think about. 

In terms of contents, you can rest easy knowing GIO Classic Extra Home and Contents Insurance will protect important belongings. It covers up to $400 in cash you might have stored away, credit cards, computers and any other valuables you’d hate to see destroyed, like antiques (up to $20,000 per item or a total of $80,000), jewellery (up to $2,500 per item or a total of $10,000) and trade tools (up to $2,000). 

Another feature in GIO’s Classic Extra Home and Contents Insurance are the extras included in the policy that’ll prepare you for stressful circumstances. If your home becomes unlivable, you’ll be able to get cover for temporary accommodation for you and your pet for up to 12 months, lock replacements (up to $1,000) and much more. You might also be happy to know this policy offers the optional extra of adding up to $2,000 cover for veterinary expenses to give your pet even more protection. 


snapshot
Who is it good for

GIO Classic Extra Home and Contents is the best choice for anyone looking for peace of mind when it comes to giving their home thorough protection.

snapshot
Any catches

It’s important you know that some things like power and storm surges, stock and inventory are not covered under the policy. 

Plus, as can choose to pay your premium on a monthly basis, it’s worth mentioning you'll have to pay extra for this. 



Details

Rates and fees information correct as at 26 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • Yes - Up to 25% of sum insured

  • Yes

  • $200

  • true

  • n/a

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Yes

  • No

  • Yes

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 11 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

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

  • Yes

Contents
  • Up to $400

  • Up to $2,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $5,000 per item

  • Up to $20,000 per item or set, up to $80,000 in total, up to $5,000 for collections

  • Up to $2,500 per item or set. Up to $10,000 in total

  • Up to $700

  • Up to $1,000

  • Up to $1,500

  • Yes

  • Up to $2,000

  • No

  • Up to $15,000

Other cover
  • $5,000 for death

  • Optional Extra, Up to $2,000

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 10% of sum insured

  • Up to 15% of sum insured combined with demolition cost

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

  • Yes

  • Up to 14 days for contents

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 26 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • Optional Extra - Up to 25% of sum insured

  • Yes

  • $200

  • true

  • n/a

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Yes

  • No

  • Yes

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra, up to 11 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $500

  • Yes, retaining walls, garden boarders, pathways and paved areas.

  • Yes

Contents
  • Up to $300

  • Up to $1,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,000 per item

  • Up to $10,000 per item or set, up to $50,000 in total, up to $2,000 for collections

  • Up to $1,000 per item or set. Up to $4,000 in total

  • Up to $500

  • Up to $500

  • Up to $1,000

  • Yes

  • Up to $1,000

  • No

  • Up to $10,000

Other cover
  • $5,000 for death

  • Optional Extra, Up to $2,000

  • Up to $500

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 12 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Yes

  • Up to 14 days for contents

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 26 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • Yes - Up to 30% of sum insured

  • Yes

  • $200

  • true

  • n/a

  • 10% online discount, 15% combined policy discount, 10% multi-policy discount, senior card discount

  • Yes

  • Up to 180 days

  • Yes

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 11 years old

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $2,000

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

  • Yes

Contents
  • Up to $500

  • Up to $5,000

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $200,000 in total, up to $50,000 for collections

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

  • Up to $1,000

  • Up to $2,000

  • Up to $5,000

  • Yes

  • Up to $5,000

  • No

  • Up to $20,000

Other cover
  • $10,000 for death

  • Optional Extra, Up to $2,000

  • Up to $2,500

  • Up to 24 months, up to 10% of sum insured combined with temporary accommodation for pets

  • Up to 24 months, up to 10% of sum insured combined with temporary accommodation

  • Up to 20% of sum insured

  • Up to 20% of sum insured combined with demolition cost

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

  • Yes

  • Up to 14 days for contents

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are GIO home insurance rated by the Mozo community?

Overall
7.7/10
Value for money
7.2/10
Policy coverage
7.7/10
Customer service
7.8/10
Claims handling
7.5/10
Trust
7.7/10

Latest reviews of GIO Home & Contents Insurance

  • Overall 1/10
    No responsibility.

    Had a water leak behind the shower wall due to a leaking spindle. Three different assessors sent and 3rd recommended that GIO remove the shower wall to investigate possible damage and mould. Recommendations ignored. The cause of the water damage was their responsibility. They are happy to take your premiums.

    Read full review

    Had a water leak behind the shower wall due to a leaking spindle. Three different assessors sent and 3rd recommended that GIO remove the shower wall to investigate possible damage and mould. Recommendations ignored. The cause of the water damage was their responsibility. They are happy to take your premiums.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    John, New South Wales reviewed 11 days ago
  • Overall 9/10
    A company to give one peace of mind.

    A great insurer. I have made a few claims, house got flooded from a burst pipe and it only took one phone call to the claims centre They handled the rest, moved furniture packed up books etc. drained the waterbed. Couldn't have been more helpful all within 12 hors of the pipe bursting. All repairs done at moved back in by the following week.

    Read full review

    A great insurer. I have made a few claims, house got flooded from a burst pipe and it only took one phone call to the claims centre They handled the rest, moved furniture packed up books etc. drained the waterbed. Couldn't have been more helpful all within 12 hors of the pipe bursting. All repairs done at moved back in by the following week.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Garry, New South Wales reviewed 5 months ago
  • Overall 5/10
    Recommend

    Good

    Value for money
    5/10
    Policy coverage
    5/10
    Customer service
    5/10
    Claims handling
    5/10
    Trust
    6/10
    Less
    Margaret, New South Wales reviewed over 2 years ago
  • Overall 1/10
    Not explicit enough when signing

    Flood & acts of nature were not in the document.

    Read full review

    Flood & acts of nature were not in the document.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    2/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Marianne, New South Wales reviewed almost 3 years ago
  • Overall 10/10
    Great customer service

    I have been with GIO for years and with good deal

    Read full review

    I have been with GIO for years and with good deal

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Cynthia, New South Wales reviewed about 3 years ago
GIO

About GIO

See GIO home insurance