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).
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 sign up for an SGIC policy you’ll also be able to benefit from a range of discounts - from a no claims bonus up to 25% to the loyalty bonus which can also go as high as 25%.
Who it's 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.
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.