The details shown below are for the Essential Care Residential - building

The details shown below are for the Quality Care Residential - building

The details shown below are for the Premier Care Residential - building

Choose the version of this product that suits you best

  • Essential Care Residential - building

  • Quality Care Residential - building

  • Premier Care Residential - building

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

Mozo editorial review St.George Building Insurance - last updated: 12 February 2021

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What's hot
  • 15% quote and buy online
  • Guarantee on authorised (and arranged) repairs
  • Automatic safety net, in case repair or replacement costs are more than expected
What's not
  • Essential Care does not cover accidental breakage
Mozo snapshot

St George’s building insurance provides cover for your home from events including fire, storms and floods. This type of insurance is designed to make sure you won’t be out of pocket, should you need to repair or rebuild your home and/or other buildings on your property, including garages and sheds. 

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Key features

With St George’s building insurance you can choose from three levels of cover: Essential, Quality and Premier. All three levels include up to $20 million of legal liability, cover for damage from flood, storms, earthquakes, lightning and fire and a guarantee on authorised (and arranged) repairs. Although it should be noted that St George may not guarantee repairs if you choose your own repairer.

An automatic safety net in case repair or replacement costs are more than expected is available with all three levels of building insurance St George offers. These are:

  • Essential Care - up to 10% of the sum insured

  • Quality Care - up to 20% of the sum insured

  • Premier Care - up to 30% of the sum insured

Other covered events include theft, riot, civil commotion and malicious acts. Emergency accommodation cover comes with all three types of building insurance, in the event that your home becomes unliveable. For both Quality and Premier this includes up to 12 months worth of cover, or 10% of the sum insured (whichever works out less). Emergency accommodation for Essential Care is provided up to $10,000.

Extra benefits that come with Quality and Premier building insurance include cover for electrical motor burnout and mortgage discharge. It should be noted that Essential Care does not cover accidental glass breakage.

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Who is it good for

This insurance policy would suit anyone who wants to make sure their beloved home is covered. It also might be a good fit for someone who is happy to tailor their insurance for something that is a little more affordable.

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Any catches

If you opt for Essential Care cover, you will not be covered for accidental glass breakage, and have lower coverage limits across various features.

Details

Rates and fees information correct as at 18 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.
Buildings

Yes

No

No

Yes

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 10% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

No

Up to $10,000

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

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 18 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.
Buildings

Yes

Up to $1,000

No

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 20% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

Up to $1,000

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

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 18 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.
Buildings

Yes

Up to $2,000

Up to $10,000 for plants

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

Yes - Up to 30% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Up to $20,000,000

none

Terms, conditions and limits apply. Read the relevant Product Disclosure Statement to see if this insurance is right for you.

Other cover

No

Up to $2,000

Up to 12 months, up to 10% of sum insured

No

Up to 10% of sum insured combined with demolition cost

Up to 10% of sum insured combined with debris removal cost

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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About St.George