Is there a cooling-off period for GIO Home Insurance?

Yes, GIO includes a 21-day cooling-off period. If you cancel within 21 days of purchasing or renewing your policy and haven’t made a claim, you’ll receive a full refund.

What is the excess on a GIO Home Insurance policy?

GIO offers flexible excess options, letting you choose an amount that suits your budget and comfort level. To see the exact excess options available for your policy, it’s best to get a personalised quote.

How do I make a claim with GIO Home Insurance?

You can make a claim through the GIO Insurance online claims portal , through their app, or by calling their support line at 13 10 10 . Have incident details, supporting documents, and any relevant photos ready to streamline the process.

Can I adjust my GIO Home Insurance policy over time?

Yes, you can make changes to your GIO policy as your needs evolve. Whether it’s adding coverage, updating your insured amount, or changing your excess, simply contact GIO or make adjustments through their online portal.

Does GIO cover temporary accommodation if my home becomes uninhabitable?

Yes, GIO can cover temporary accommodation if an insured event leaves your home uninhabitable. Coverage details and limits vary, so it’s worth checking your policy or giving GIO a call to clarify what’s included.

GIO home insurance customer reviews and comparisons for 2025

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
No Partner link

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

-

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.
Classic Contents
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

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

-

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.
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
No Partner link

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

-

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.
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
No Partner link

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

-

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.
Classic Extra Contents
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

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

-

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.
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
No Partner link

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

-

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.
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
No Partner link

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

-

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.
Platinum Contents
Main events covered

Fire

Theft

Storm

Flood

Monthly payments cost extra

Yes

Underinsurance protection

No

New for old replacement

Yes
No Partner link

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

-

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.
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
No Partner link

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

-

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.

Customer reviews

Important disclosures

Important information about the Mozo customer ratings

Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.

E

Evan

New South Wales - over 1 year ago

3.5

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.
- Price
  
  3.0
- Features
  
  4.5
- Service
  
  3.0
- Convenience
  
  3.0
- Trust
  
  4.5
L

Leigh

Victoria - over 1 year ago
Product name: Classic Home & Contents

2.5

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.
- Price
  
  0.5
- Features
  
  5.0
- Service
  
  2.5
D

Debbi

New South Wales - almost 2 years ago
Product name: Classic Home & Contents

0.5

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.
- Price
  
  0.5
- Features
  
  0.5
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5
G

Gio

New South Wales - almost 2 years ago

0.5

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.
- Service
  
  0.5
- Convenience
  
  0.5
- Trust
  
  0.5

GIO home insurance

Navigate to:

Important disclosures