SGIC logo

SGIC Buildings & Contents Insurance

Advertiser disclosure

The details shown below are for the Home Buildings & Contents Insurance

The details shown below are for the Home Plus Buildings & Contents Insurance

Choose the version of this product that suits you best

  • Home Buildings & Contents Insurance

  • Home Plus Buildings & Contents Insurance

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 SGIC Buildings & Contents Insurance

Last updated: 24 September 2020.

binocular icon
What's hot
  • Up to 24 months temporary accommodation
  • 25% no claims bonus and other discounts
  • Automatic flood cover
  • 2020 Mozo Experts Choice Award
What's not
  • Monthly payments incur higher premium
Mozo snapshot

Taking out a 2020 Mozo Experts Choice Award for Exceptional Quality Home & Contents Insurance, SGIC’s Home Plus Home and Contents Insurance policy offers protection for both your house and the valuables inside it. With all the features of a standard home and contents policy, SGIC Home Plus goes above and beyond by offering customers a number of additional benefits such as automatic flood cover, 24 months temporary accommodation and a host of discounts you may not find in other policies.


key icon
Key features

Providing cover for a range of potential events like storms, lightning strikes, fires and water leaks, the SGIC Home Plus Home and Contents Insurance policy also includes automatic protection for harm caused by flooding and accidental damage. However, SGIC doesn’t provide cover for power surges or damage by the sea (aside from tsunamis caused by earthquakes).

You can choose to take out the standard SGIC policy or the Plus option. Plus comes at a higher premium, but provides higher levels of cover for certain items, additional coverage points, and automatic cover for events and items otherwise listed as optional.

SGIC’s Home Plus Home and Contents Insurance provides extensive cover for your valuables including up to $2,500 for jewellery, up to $5,000 for your credit card and even up to $2,000 for your visitors’ belongings (with the exception of cash).

If an insured event does cause damage or destruction to your home or contents, SGIC will facilitate temporary repairs and debris removal, and they’ll also cover the costs of replacing trees and plants in your garden (up to $2,000) as well as the reasonable replacement of keys and locks.   

The SGIC policy also comes with generous additional benefits such as temporary accommodation costs for your family and pets for up to 24 months and up to $5,000 worth of protection for your contents while you move home if you're covered under the Plus option.

If you sign up for an SGIC policy you’ll also be able to benefit from a range of discounts, including a no claims bonus up to 25% and a loyalty bonus which can also go as high as 25%.


snapshot
Who is it good for

With a comprehensive range of cover and some seriously generous additional perks, the SGIC Home Plus Home and Contents Insurance policy could be the perfect way for anyone in South Australia to safeguard both their property and valuables.


question icon
Any catches

SGIC charges a higher premium for anyone who chooses to pay for their policy in monthly instalments, so if possible the better value option is to pay as a lump sum each year.


Details

Rates and fees information correct as at 6 March 2021. 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

  • No

  • Yes

  • $0

  • true

  • n/a

  • Multipolicy, loyalty, no claims bonus, combined policy

  • Yes

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra - up to 15 years

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

  • No

  • Yes

Contents
  • Up to $200

  • Up to $1,000

  • Up to $2,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,500

  • Up to $2,500 in total

  • No

  • Yes

  • No

  • Yes

  • Up to $2,000

  • No

  • Yes

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Yes

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Yes

  • Yes

  • No

  • Up to 60 days

  • 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 6 March 2021. 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

  • $0

  • true

  • n/a

  • Multipolicy, loyalty, no claims bonus, combined policy

  • Yes

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 15 years old

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $5,000

  • Up to $2,000 for plants

  • Yes

Contents
  • Up to $200

  • Up to $5,000

  • Up to $2,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,500

  • Up to $2,500 in total

  • No

  • Yes

  • Up to $5,000

  • Yes

  • Up to $2,000

  • No

  • Yes

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Yes

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Yes

  • Yes

  • No

  • Up to 60 days

  • 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 SGIC home insurance rated by the Mozo community?

Overall
8.0/10
Value for money
7.7/10
Policy coverage
7.9/10
Customer service
8.0/10
Claims handling
7.4/10
Trust
7.8/10

Latest reviews of SGIC Buildings & Contents Insurance

Thumbnail icon for SGIC

About SGIC

See SGIC home insurance