The details shown below are for the Essential Care Residential

The details shown below are for the Quality Care Residential

The details shown below are for the Premier Care Residential

The details shown below are for the Essential Care Residential (Home & Contents)

Choose the version of this product that suits you best

  • Essential Care Residential

  • Quality Care Residential

  • Premier Care Residential

  • Essential Care Residential (Home & Contents)

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

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

binocular icon
What's hot
  • 25% discount (conditions apply)
  • Automatic repair or replacement safety net
  • New-for-old contents replacement if repair isn’t possible
What's not
  • Electrical or computer breakdowns caused by power surges not covered
Mozo snapshot

Homeowners from all walks of life will be able to find an option to suit their needs with this three-tiered system of building and contents cover. Plus, there's a 25% discount on offer when you quote, buy online and combine your home and contents insurance at the same address, under the same policy. St George also provides a varied safety net if repair and replacement costs are higher than expected, as well as emergency accommodation.

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Key features

St. George Home and Contents Insurance comes at three levels: Essential Care, Quality Care and Premier Care. Each offers similar types of cover for your home and belongings, but at increasing limits as you move up each tier, along with some extra benefits included in the Quality and Premier options.

Across each coverage type, there is some level of underinsurance tied to a percentage of the sum your home and contents are insured for. This essentially acts as a safety net if repairs or replacement end up costing you more than anticipated. Under the highest level of cover (Premier) this is up to 30% for buildings and up to 20% for contents.

There’s also varied cover for emergency accommodation if you can’t inhabit your home after an insurable event. For those holding Essential Care cover, this is up to $10,000, while Quality and Premier policies extend to the lesser of 12 months or 10% of the sum insured.

Similarly, cover limits for events and specific contents vary. As an example, jewellery and watches are covered for up to $500 per item or $3,000 collectively per claim under Essential Care. Those figures increase to $5,000 per item and $20,000 per claim under Premier Care. 

Check out the PDS for an extensive list of items. Also be sure to note the extra benefits which are only included in the two top tier options, like electrical motor burnout.

If that 25% discount on the first year’s premium caught your eye, remember this is only for those getting a quote and purchasing a combined home and contents policy online. It drops to 15% if you don’t combine the two policies under the same address.

snapshot
Who is it good for

Any homeowner who’s looking for flexibility when protecting their home and belongings, especially if they’re concerned about under-insuring items.

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Any catches

Since there are three tiers of protection within this policy, you’ll want to be certain you’ve chosen the right level of cover, or you could get a rude shock when making a claim.

Details

Rates and fees information correct as at 26 October 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.
Contents

No

No

Up to $1,000

Computer software: Up to $1,000. Computer hardware: Yes.

Yes

Yes

Yes

Up to $3,000

Up to $500 per item, up to $3,000 in total

Up to $500

No

No

Yes

No

No

No

Other cover

No

No

No

Up to $5,000

No

No

Up to 10% of sum insured

No

No

Up to 14 days

No

Policy and service features

60

Yes - Up to 5% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

No

No

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.

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

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 26 October 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.
Contents

Up to $750

No

Yes

Yes

Yes

Yes

Yes

Up to $10,000

Up to $1,000 per item, up to $5,000 in total

Up to $1,000

Up to $1,000

No

Yes

Up to $2,000

No

Up to $10,000

Other cover

Up to $10,000 for funeral

No

No

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

Up to $5,000

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

Up to 10% of sum insured

No

No

Up to 14 days

No

Policy and service features

60

Yes - Up to 10% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

No

Up to $2,000 in the open air at the site

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.

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

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 26 October 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.
Contents

Up to $1,250

No

Yes

Yes

Yes

Yes

Yes

Up to $20,000

Up to $5,000 per item, up to $20,000 in total

Up to $2,000

Up to $2,000

No

Yes

Up to $3,000

No

Up to $15,000

Other cover

Up to $15,000 for funeral

No

No

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

Up to $5,000

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

Up to 10% of sum insured

No

No

Up to 14 days

Up to 20% of sum insured

Policy and service features

60

Yes - Up to 20% of sum insured

Yes

$100

true

yes

15% online discount, no claim bonus

Yes

Yes

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.

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to 15 years old

No

Yes

Yes

Yes

Yes

Yes

Yes

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 26 October 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.
Contents

No

No

Up to $1,000

Computer software: Up to $1,000. Computer hardware: Yes.

Yes

Yes

Yes

Up to $3,000

Up to $500 per item, up to $3,000 in total

Up to $500

No

No

Yes

No

No

No

Other cover

No

No

No

Up to $10,000

No

No

Up to 10% of sum insured combined with demolition cost

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

Yes

Up to 14 days for contents

No

Policy and service features

60

Yes - Up to 10% of sum insured

Yes

$100

true

yes

15% online discount, 10% combined policy discount, no claim bonus

Yes

No

No

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.

Events

No

No

Yes

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Yes

Yes

Yes

Yes

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.

Customer Reviews

How are St.George home insurance rated by the Mozo community?

Overall
Value for money
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About St.George