SGIC - Home & Contents Insurance

SGIC Home & Contents Insurance Review

Rates and fees information correct as at 20 November 2018.

Review published: 20 September 2017

What's hot:

  • Up to 24 months temporary accommodation

  • 25% no claims bonus and other discounts

  • Automatic flood cover

  • 2018 Mozo Experts Choice Award winner

What's not:

  • Monthly payments incur higher premium

Mozo snapshot:

Taking out a 2018 Mozo Experts Choice Award for Exceptional Value and Quality, 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 that you may not find in other policies.


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).

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.


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.


How is SGIC home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
SGIC home insurance
8.3

Based on 56
SGIC home insurance reviews

8.0 8.1 8.3 7.7 8.0

Latest reviews of SGIC Home & Contents Insurance

SGIC

SGIC Home Insurance home insurance review

Overall rating   10 / 10

They take the worry out of crash repairs

I like SGIC because they offer bonuses for having more than one policy. They are very clear on the phone when I have a query and were extremely helpful when I needed to take my car to the crash repairer.

Full review

I like SGIC because they offer bonuses for having more than one policy. They are very clear on the phone when I have a query and were extremely helpful when I needed to take my car to the crash repairer.

    Value for money   10 / 10

Less

Ellen, South Australia, reviewed over 1 year ago

SGIC

SGIC Home Insurance home insurance review

Overall rating   10 / 10

Very flexible and they listen to your needs

They haven't given me a reason to dislike them - I have never had to make a claim either so it's hard to say. Having said that, they also offered insurance that covered everything I wanted, whereas no-one else would. This is why I went with SGIC,...

Full review

They haven't given me a reason to dislike them - I have never had to make a claim either so it's hard to say. Having said that, they also offered insurance that covered everything I wanted, whereas no-one else would. This is why I went with SGIC, as they are more flexible and accommodating, willing to work with me to get the right coverage.

    Value for money   10 / 10

Less

Brenton, South Australia, reviewed over 1 year ago

SGIC

SGIC Home Insurance home insurance review

Overall rating   10 / 10

Friendly service and cheap rates

I am very satisfied with SGIC. I can do everything I need online or over phone and never have any problems. Staff are always there to help if needed.

Full review

I am very satisfied with SGIC. I can do everything I need online or over phone and never have any problems. Staff are always there to help if needed.

    Value for money   10 / 10

Less

Judy, South Australia, reviewed over 1 year ago

SGIC

SGIC Home Insurance home insurance review

Overall rating   10 / 10

Fabulous insurance company and customer service

I've had my insurance site with SGIC for 14 years now and would never think of changing providers.

Full review

I've had my insurance site with SGIC for 14 years now and would never think of changing providers.

    Value for money   10 / 10

Less

Juliska, South Australia, reviewed almost 2 years ago

SGIC

SGIC Home Insurance home insurance review

Overall rating   10 / 10

Very good premiums

Great insurer for all insurance, good premiums and helpful staff. Try them.

Full review

Great insurer for all insurance, good premiums and helpful staff. Try them.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Bruce, South Australia, reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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Policy and service features

  • 60

  • $100

  • Multipolicy, loyalty, no claims bonus, combined policy

  • Up to 90 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Optional extra

  • Optional extra

Buildings

  • Up to $1,000

  • Up to sum insured

Contents

  • Up to $200

  • Up to $1,000

  • Up to $2,500

  • Software only, up to sum insured

  • Optional extra

  • Up to $2,500

  • Up to $2,500

  • Replacement cost

  • Optional extra

  • Up to $2,000

Other cover

  • Up to $10,000 for funeral

  • Optional extra

  • Reasonable cost

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Up to 60 days

Policy and service features

  • 60

  • Yes - Up to 25% of sum insured

  • $100

  • Multipolicy, loyalty, no claims bonus, combined policy

  • Up to 90 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to 15 years old

Buildings

  • Up to $5,000

  • Up to $2,000

  • Up to sum insured

Contents

  • Up to $200

  • Up to $5,000

  • Up to $2,500

  • Software only, up to sum insured

  • Optional extra

  • Up to $2,500

  • Up to $2,500

  • Replacement cost

  • Up to $5,000

  • Optional extra

  • Up to $2,000

Other cover

  • Up to $10,000 for funeral

  • Optional extra

  • Reasonable cost

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Up to 60 days

  • Up to $5,000

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).

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