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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

Important information on terms, conditions and sub-limits
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

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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.


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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%.


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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.


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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 17 September 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

Optional Extra

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

*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.

Details

Rates and fees information correct as at 17 September 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

Optional Extra

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

*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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