SGIO - Home & Contents Insurance

SGIO Home & Contents Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • Choose your own excess

  • No claims bonus up to 25%

  • Loyalty discount up to 25%

What's not:

  • Extra cost to pay premium monthly

  • Only available in WA

Mozo snapshot:

This policy won a Mozo Experts Choice Award in 2017 for Exceptional Quality, so 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.

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.

How is SGIO home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
SGIO home insurance
8.3

Based on 57
SGIO home insurance reviews

7.8 7.9 8.5 8.3 8.5

Latest reviews of SGIO Home & Contents Insurance

SGIO

SGIO Home Insurance home insurance review

Overall rating   10 / 10

I have very high satisfaction with SGIO

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

Full review

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

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Colleen (WA), reviewed about 1 year ago

SGIO

SGIO Home Insurance home insurance review

Overall rating   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 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...

Full review

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

Less

Deborah (WA), reviewed over 2 years ago

SGIO

SGIO Home Insurance home insurance review

Overall rating   9 / 10

Good

Always good service.

Full review

Always good service.

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Rhonda (WA), reviewed over 2 years ago

SGIO

SGIO Home Insurance home insurance review

Overall rating   9 / 10

Outstanding customer service, setting the example

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...

Full review

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

Less

Shayene (WA), reviewed over 2 years ago

SGIO

SGIO Home Insurance home insurance review

Overall rating   9 / 10

Excellent

Great company, great service.

Full review

Great company, great service.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   9 / 10

Less

Toni (WA), reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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Policy and service features

  • 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

Events

  • Optional extra

  • Optional extra

Buildings

  • Up to $1,000

  • Up to sum insured

Contents

  • 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

Other cover

  • 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

Policy and service features

  • 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

Events

  • Up to 15 years old

Buildings

  • Up to $5,000

  • Up to $2,000

  • Up to sum insured

Contents

  • 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

Other cover

  • 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

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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