SGIO home insurance

Backed by one of Australia’s largest general insurance providers, SGIO has a long history of insuring Western Australians with competitive, easy-to-understand policies back since 1926.

SGIO is all about choice when it comes to their home insurance. You can increase your cover other items like portable contents or even add a pet lover's pack to cover your furry friend should they be injured in an accident.

SGIO offers the following home insurance

Rates and fees verified as correct at 03 March, 2021. Other information correct at the time of writing. Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Buildings & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Buildings Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Plus Buildings & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Home Plus Buildings Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Home Plus Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

How is SGIO home insurance rated?

Mozo users have rated SGIO home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
SGIO home insurance
Overall
8.0/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

65 Reviews

Recent SGIO home insurance reviews

SGIO Home Insurance review
Overall 1/10
Rip off merchants.

I have paid my premium for 17 years on an itemised item and when I go to lodge a claim they are only willing to pay 1/3 of the cost based on "insurance prices". They are absolute scammers. The customer service is non-existent with people who do not have a clue what that are talking about. I cannot wait to leave this company.

Read full review

I have paid my premium for 17 years on an itemised item and when I go to lodge a claim they are only willing to pay 1/3 of the cost based on "insurance prices". They are absolute scammers. The customer service is non-existent with people who do not have a clue what that are talking about. I cannot wait to leave this company.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Andi, Western Australia, reviewed 6 months ago
SGIO Home Insurance review
Overall 9/10
Not too expensive and consistently good service.

I have been with SGIO for 31 years. I find they are a little dearer than some competitors but their customer service is much better and they do not try to avoid paying on claims on spurious technicalities (which I have experienced with other major insurers).

Read full review

I have been with SGIO for 31 years. I find they are a little dearer than some competitors but their customer service is much better and they do not try to avoid paying on claims on spurious technicalities (which I have experienced with other major insurers).

Value for money
7/10
Policy coverage
9/10
Customer service
9/10
Claims handling
10/10
Trust
9/10
Less
Raymond, Western Australia, reviewed over 1 year ago
SGIO Buildings & Contents Insurance review
Overall 0/10
Disgraceful service

I have been with SGIO for cars, home and contents insurance. They have no respect for brand loyalty or the fact that I had made one small claim in the 8 years I was with them. When I actually needed to make a claim (relatively small but significant to us) I was denied and was hand-balled to the builder, who hand balled straight back to insurer. In the end my claim was denied and this happened on two seperate occasions.

Read full review

I have been with SGIO for cars, home and contents insurance. They have no respect for brand loyalty or the fact that I had made one small claim in the 8 years I was with them. When I actually needed to make a claim (relatively small but significant to us) I was denied and was hand-balled to the builder, who hand balled straight back to insurer. In the end my claim was denied and this happened on two seperate occasions.

Value for money
2/10
Policy coverage
8/10
Customer service
0/10
Claims handling
0/10
Trust
0/10
Less
Natalie, Western Australia, reviewed over 1 year ago
SGIO Contents Insurance review
Overall 10/10
Great prices

Very good pricing and helpful.

Read full review

Very good pricing and helpful.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Shelly, Western Australia, reviewed about 3 years ago

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