SGIO Buildings & Contents Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Home Buildings & Contents Insurance

The details shown below are for the Home Plus Buildings & Contents Insurance

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  • Home Buildings & Contents Insurance

  • Home Plus Buildings & Contents Insurance

SGIO Buildings & Contents Insurance

SGIO Buildings & Contents Insurance

Mozo Review   SGIO Buildings & Contents Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 Mozo Experts Choice Award

  • No claims bonus up to 25%

  • Loyalty discount up to 25%

  • Choose your own excess

What's not:
  • Extra cost to pay premium monthly

  • Only available in WA

Mozo snapshot:

You can expect one of the most extensive levels of cover on the market when you sign up for SGIO Home Plus Home and Contents Insurance. After all, the policy was named a winner in for Exceptional Quality Home & Contents Insurance at the 2019 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.

Key features:

With SGIO Home Plus Home 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. It is worth noting that while this cover is pretty comprehensive you will have to opt for any personal medical equipment to be covered as an optional extra. Also, while the contents of your home office is covered as part of Home Plus Home and Contents Insurance, if you’re a keen photographer you will have to elect for additional cover for your camera and its equipment.

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.

Who it's good for:

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.

Any catches?

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.

Details

Rates and fees information correct as at 16 October 2019. 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.
Policy and service features
  • 60

  • $0

  • n/a

  • Multipolicy, combined policy, loyalty, no claims bonus

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional extra

  • Optional Extra - up to 15 years

Buildings
  • Up to $1,000

Contents
  • Up to $200

  • Up to $1,000

  • Up to $2,500

  • Up to $2,500

  • Up to $2,500 in total

  • Replacement cost

  • Up to $2,000

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Up to 60 days

Details

Rates and fees information correct as at 16 October 2019. 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.
Policy and service features
  • 60

  • Yes - Up to 25% of sum insured

  • $0

  • n/a

  • Multipolicy, combined policy, loyalty, no claims bonus

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Up to 15 years old

Buildings
  • Up to $5,000

  • Up to $2,000 for plants

Contents
  • Up to $200

  • Up to $5,000

  • Up to $2,500

  • Up to $2,500

  • Up to $2,500 in total

  • Replacement cost

  • Up to $5,000

  • Up to $2,000

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Up to 60 days

Customer Reviews

How are SGIO home insurance rated by the Mozo community?

Overall customer rating
8.2/10
Value for money
7.8/10
Policy coverage
8.0/10
Customer service
8.4/10
Claims handling
8.3/10
Trust
8.4/10

Latest reviews of SGIO Buildings & Contents Insurance

  • Overall
    10/10
    I have very high satisfaction with SGIO

    SGIO are very fast and fluent when they help you with claims.

    SGIO are very fast and fluent when they help you with claims.

    Value for money
    10/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Colleen | Western Australia

    reviewed over 2 years ago

  • Overall
    9/10
    Outstanding customer service, setting the example

    They may be a little more expensive, accidental damage, personal property out of the home and...

    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).

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Shayene | Western Australia

    reviewed almost 4 years ago

  • Overall
    9/10
    Good

    Always good service.

    Always good service.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10

    Rhonda | Western Australia

    reviewed almost 4 years ago

  • Overall
    10/10
    Premiums competitive and service is excellent.

    SGIO is a great company that offers good premiums and a great product. They have always paid out...

    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.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    9/10
    Trust
    10/10

    Deborah | Western Australia

    reviewed almost 4 years ago

  • Overall
    6/10
    Ok

    N/A

    N/A

    Value for money
    6/10
    Policy coverage
    5/10
    Customer service
    7/10
    Claims handling
    5/10
    Trust
    5/10

    Jaminder | Western Australia

    reviewed almost 4 years ago

SGIO

About SGIO

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