The details shown below are for the Home Buildings & Contents Insurance
The details shown below are for the Home Plus Buildings & Contents Insurance
Choose the version of this product that suits you best
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Home Buildings & Contents Insurance |
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Home Plus Buildings & Contents Insurance |
Home Buildings & Contents Insurance
Home Plus Buildings & Contents Insurance
You can expect one of the most extensive levels of cover on the market when you sign up for SGIO Home Plus Building and Contents Insurance. After all, the policy was named a winner in for Exceptional Quality Home & Contents Insurance at the 2021 Mozo Experts Choice Awards.
But signing up for SGIO’'s top tier of home and contents policy doesn't necessarily have to break the bank, especially when you take into account the generous no claims and loyalty discount schemes that are on offer.
With SGIO Home Plus Building and Contents Insurance you can expect a top-quality level of cover for not just your physical house, but the things inside that make it your unique home. This policy gives you the breathing room that comes with underinsurance protection of up to 25% of the sum insured as well as the flexibility to choose your own excess. You’re covered for a host of natural events like a fire, storm, lightning strike, tsunami or earthquake, but also if you accidentally damage your own property or if your house is vandalised or burgled. However, you’re not covered for any damage that is of a direct result of a power or storm surge.
At this level of policy you can enjoy the luxury of new for old contents replacement and the peace of mind of knowing that your contents are covered even while you move. This includes cover for jewellery up to the value of $2,500, credit cards to the value of $5,000 and any tools of the trade to the value of $2,500. The beauty of combining both your home and contents insurance with this policy is that you’re also covered for building materials and landscaping as well as any gates or fences you have on your property.
SGIO also offers a couple of attractive discounts for customers looking to insure both their home and contents at the Home Plus level of cover. If you have a clean claims history you will be able to save as much as 25% in the form of a no claims bonus and could accrue a further 25% loyalty discount depending on the amount of policies you have with SGIO and the number of years you’ve maintained a relationship with the insurer.
This policy is a great option for Western Australians looking for a comprehensive level of cover at a surprisingly competitive price. If you have your car or travel insurance with SGIO, make the most of the generous loyalty discount and save on your premium.
SGIO acts as NRMA’s Western Australian arm, so you’ll only be able to take out this policy if you’re a resident of Western Australia. Also be aware that if you prefer to pay your premium monthly, you’ll be paying extra than if you were to do so annually.
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60 |
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No |
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Yes |
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$0 |
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true |
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no |
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Multipolicy, combined policy, loyalty, no claims bonus |
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Yes |
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Up to 60 days, up to 20% of sum insured |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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n/a |
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n/a |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra - up to 15 years |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $1,000 |
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No |
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Yes |
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Up to $200 |
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Up to $1,000 |
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Up to $2,500 |
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Yes |
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Optional Extra |
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Yes |
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Yes |
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Up to $2,500 |
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Up to $2,500 in total |
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No |
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Yes |
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No |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Up to $10,000 for funeral |
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Optional Extra, up to $2,000 |
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Yes |
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Up to 12 months |
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Up to 12 months |
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Up to 12 months |
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Yes |
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Yes |
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No |
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Up to 60 days |
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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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60 |
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Yes - Up to 25% of sum insured |
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Yes |
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$0 |
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true |
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no |
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Multipolicy, combined policy, loyalty, no claims bonus |
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Yes |
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Up to 60 days, up to 20% of sum insured |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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n/a |
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n/a |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to 15 years old |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $5,000 |
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Up to $2,000 for plants |
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Yes |
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Up to $200 |
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Up to $5,000 |
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Up to $2,500 |
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Yes |
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Optional Extra |
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Yes |
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Yes |
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Up to $2,500 |
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Up to $2,500 in total |
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No |
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Yes |
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Up to $5,000 |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Up to $10,000 for funeral |
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Optional Extra, up to $2,000 |
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Yes |
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Up to 24 months |
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Up to 24 months |
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Up to 24 months |
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Yes |
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Yes |
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No |
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Up to 60 days |
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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.
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 reviewI 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.
SGIO are very fast and fluent when they help you with claims.
Read full reviewSGIO are very fast and fluent when they help you with claims.
SGIO is a great company that offers good premiums and a great product. They have always paid out any claims we have made quickly and without issue. I have been with this company for many years for this reason and feel confident our home and contents are in safe hands.
Read full reviewSGIO is a great company that offers good premiums and a great product. They have always paid out any claims we have made quickly and without issue. I have been with this company for many years for this reason and feel confident our home and contents are in safe hands.
Always good service.
Read full reviewAlways good service.
They may be a little more expensive, accidental damage, personal property out of the home and motor burn out etc are optional extras. However the customer service is second to none. They can't help you enough. Businesses could learn a lot from SGIO on how and what customer relations and service is. Call centre is in Australia, which is a major plus for myself (total onshore operation).
Read full reviewThey may be a little more expensive, accidental damage, personal property out of the home and motor burn out etc are optional extras. However the customer service is second to none. They can't help you enough. Businesses could learn a lot from SGIO on how and what customer relations and service is. Call centre is in Australia, which is a major plus for myself (total onshore operation).