The details shown below are for the Home Insurance
The details shown below are for the Home Plus Insurance
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| Home Insurance |
| Home Plus Insurance |
Home Insurance
Home Plus Insurance
SGIO Home & Contents Insurance
SGIO Home & Contents Insurance
Last updated: 5 September 2018.
Choose your own excess
No claims bonus up to 25%
Loyalty discount up to 25%
Extra cost to pay premium monthly
Only available in WA
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. 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 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.
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.
60
$100
Multipolicy, combined policy, loyalty, no claims bonus
Up to 90 days, up to 20% of sum insured
Up to 20% of sum insured
Up to $20,000,000
Optional extra
Optional extra
Up to $1,000
Up to sum insured
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
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
60
Yes - Up to 25% of sum insured
$100
Multipolicy, combined policy, loyalty, no claims bonus
Up to 90 days, up to 20% of sum insured
Up to 20% of sum insured
Up to $20,000,000
Up to 15 years old
Up to $5,000
Up to $2,000
Up to sum insured
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
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
SGIO are very fast and fluent when they help you with claims.
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SGIO are very fast and fluent when they help you with claims.
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Colleen | Western Australia
reviewed over 1 year ago
They may be a little more expensive, accidental damage, personal property out of the home and...
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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).
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Shayene | Western Australia
reviewed about 3 years ago
Always good service.
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Always good service.
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Rhonda | Western Australia
reviewed about 3 years ago
SGIO is a great company that offers good premiums and a great product. They have always paid out...
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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.
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Deborah | Western Australia
reviewed about 3 years ago
N/A
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N/A
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Jaminder | Western Australia
reviewed over 3 years ago