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SGIO Buildings & Contents Insurance

Advertiser disclosure

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

  • Home Buildings & Contents Insurance

  • Home Plus Buildings & Contents Insurance

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review SGIO Buildings & Contents Insurance - last updated: 24 September 2020

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What's hot
  • 2020 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 Building and Contents Insurance. After all, the policy was named a winner in for Exceptional Quality Home & Contents Insurance at the 2020 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.

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Key features

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.

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Who is it 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.

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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 17 September 2021. 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

No

Yes

$0

true

n/a

Multipolicy, combined policy, loyalty, no claims bonus

Yes

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

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra - up to 15 years

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

No

Yes

Contents

Up to $200

Up to $1,000

Up to $2,500

Yes

Optional Extra

Yes

Yes

Up to $2,500

Up to $2,500 in total

No

Yes

No

Yes

Up to $2,000

No

Yes

Other cover

Up to $10,000 for funeral

Optional Extra, up to $2,000

Yes

Up to 12 months

Up to 12 months

Up to 12 months

Yes

Yes

No

Up to 60 days

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.

Details

Rates and fees information correct as at 17 September 2021. 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

Yes

$0

true

n/a

Multipolicy, combined policy, loyalty, no claims bonus

Yes

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

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $5,000

Up to $2,000 for plants

Yes

Contents

Up to $200

Up to $5,000

Up to $2,500

Yes

Optional Extra

Yes

Yes

Up to $2,500

Up to $2,500 in total

No

Yes

Up to $5,000

Yes

Up to $2,000

No

Yes

Other cover

Up to $10,000 for funeral

Optional Extra, up to $2,000

Yes

Up to 24 months

Up to 24 months

Up to 24 months

Yes

Yes

No

Up to 60 days

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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