The details shown below are for the Home Buildings Insurance

The details shown below are for the Home Plus Buildings Insurance

Choose the version of this product that suits you best

  • Home Buildings Insurance

  • Home Plus Buildings Insurance

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a

Mozo editorial review SGIC Buildings Insurance - last updated: 23 July 2020

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What's hot
  • Underinsurance protection
  • Flood cover included at no extra cost
What's not
  • Monthly premium payments cost extra
Mozo snapshot

SGIC's Home Plus Insurance policy aims to keep your home in tiptop shape, with a long list of inclusions and benefits. If you’re worried your home may be underinsured, SGIC Home Plus also offers underinsurance protection of up to 25% of the sum insured amount. It’s worth mentioning you’ll be able to score a few discounts for combining policies as well as a loyalty discount, plus, if you’ve kept a good claims history, you’ll receive a discount for this too.

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Key features

SGIC Home Plus Insurance will give your home cover against natural disasters like fires, floods, storms and lightning plus many other listed events. Unlike many other home insurance policies, you’re automatically covered for accidental damage and electrical motors burning out. However, this is only on the Plus policy option (which comes at a higher premium), and you won’t be covered for power and storm surges under the standard or Plus policy.

As this is a buildings insurance policy, your fixtures like doors, walls roofs will also be covered along with gates and fences. If you ever decide to renovate, building materials are also covered. Temporary accommodation for you and your pet will also be covered if your home becomes unlivable along with debris removal and demolition costs.

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Who is it good for

As SGIC is South Australian, SGIC Home Plus is a great choice for South Australian homeowners looking for a policy that has their home covered from the inside out.  

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Any catches

While SGIC do offer cover for any building or structural repairs, if you are deciding to renovate you should know that you will not be covered for any water damage due to an opening made during construction.

You will also have to pay extra if you want to repay your premium on a monthly basis.



Details

Rates and fees information correct as at 23 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.
Buildings

Yes

Up to $1,000

No

Yes

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra - up to 15 years

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

No

Yes

$0

true

no

Multipolicy, loyalty, no claims bonus, combined policy

Yes

Up to $20,000,000

none

none

Other cover

Up to $10,000 for funeral

Yes

Up to 12 months

Up to 12 months

Yes

Yes

No

*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 23 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.
Buildings

Yes

Up to $5,000

Up to $2,000 for plants

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 25% of sum insured

Yes

$0

true

no

Multipolicy, loyalty, no claims bonus, combined policy

Yes

Up to $20,000,000

none

none

Other cover

Up to $10,000 for funeral

Yes

Up to 24 months

Up to 24 months

Yes

Yes

No

*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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