The details shown below are for the Home Contents Insurance

The details shown below are for the Home Plus Contents Insurance

Choose the version of this product that suits you best

  • Home Contents Insurance

  • Home Plus Contents Insurance

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

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

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What's hot
  • A range of discounts
  • Temporary accommodation for tenants/strata scheme owners
  • Automatic flood cover
What's not
  • Monthly premium payments cost extra
Mozo snapshot

SGIC’s Contents Insurance is a policy that has your back when it comes to covering your contents. Along with new for old cover on your belongings, you’ll also have access to a multi-policy discount if you combine policies with their building insurance, a loyalty discount the longer you stick around, and a no claims bonus if you've got a great claims history.

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Key features

With SGIC’s Contents Insurance, you can rest easy knowing that your favourite belongings will be under top protection. You’ll get cover for your electronic files, like CDs and DVDs, plus software on your computer. Your cameras, antiques, jewellery and other valuables with hefty price tags are also covered under this policy, and You’ll also receive cover for any locks that need replacing. But remember, you will not have cover for any uncut gems or other things like shrubs, building materials, water sports equipment and caravans.

One other cool thing is that, if you and your pet need to temporarily move out, SGIC Contents will cover the accommodation costs for this and if you or your furry friend are injured, you’ll be covered there too.

While we’d like to think that our homes are the best shield to protect our contents from damage, unexpected things do happen. That’s why with SGIC you’ll be covered against 14 listed events, like fires, earthquakes and even explosions, just to name a few. You’ll also have the option of adding accidental loss and damage to your policy to give yourself that extra bit of cover. Keep in mind that power and storm surges are not covered under SGIC Contents Insurance.

And last but not least, there are a range of discounts on offer with SGIC, including:

  • No claims bonus (up to 25%)

  • Loyalty discount (up to 25%)

  • Benefits for combined home and contents cover

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Who is it good for

SGIC Contents Insurance is a suitable option for anyone concerned about protecting their belongings, but not the structure of their home, like renters. Homeowners might prefer to combine home and contents policies.


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Any catches

SGIC Contents Insurance does not offer underinsurance protection, which may leave you out of pocket if you haven’t insured your items correctly. When creating the list of contents you’d like insured, it’s important to consider what it will cost to replace your things, not just their current value.

Also, SGIC Contents gives you the choice of being able to pay your premium monthly, but know you'll have to pay extra for this.


Details

Rates and fees information correct as at 20 October 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.
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

No

No

No

Up to 60 days

Yes

Policy and service features

60

No

Yes

$0

true

no

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

none

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra - up to 15 years

No

Yes

Yes

Yes

Yes

Yes

Yes

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 20 October 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.
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

No

No

No

Up to 60 days

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 60 days, up to 20% of sum insured

Up to 20% of sum insured

Up to $20,000,000

none

none

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

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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