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

Choose the version of this product that suits you best

  • Essential Care Residential

  • Quality Care Residential

  • Premier Care Residential

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Go to site
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Go to site
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Go to site

Mozo editorial review St.George Contents Insurance

Last updated: 12 February 2021.

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What's hot
  • 15% quote and buy online discount
  • New for old replacement on contents
  • 24/7 claims support
What's not
  • Essential and Quality care do not cover accidental loss or damage
Mozo snapshot

Designed to help you get back on track should your personal belongings be lost or damaged, St George’s contents insurance offers three different levels of cover. These are Essential Care, Quality Care and Premier Care. All levels of cover offer insurance for flood and storm damage, up to $20 million of legal liability, an automatic safety net for underinsurance and new for old replacement.

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Key features

With St George’s contents insurance you can choose from three different levels of cover. The most basic level is Essential Care, then Quality Care which offers a little bit more and finally Premier, which is the highest level of contents insurance St George offers.

Each type of cover comes with an automatic safety net. This is in case repair or replacement costs are higher than anticipated - it’s basically like underinsurance. For Essential Care the safety net is 5% of the sum insured, for Quality Care it is 10% and for Premier Care it is 20%.

All three offer cover for emergency accommodation. For both Quality and Premier Care cover this is either 10% of your sum insured or the cost of accommodation for up to 12 months, whichever costs less. If you opt for Essential Care, emergency accommodation cover is capped at $5,000.

Up to $20 million worth of legal liability cover comes with all three, Essential, Quality and Premier. For items that cannot be repaired, all covers include new for old replacement, regardless of how old the item is. All also come with cover for flood, storm and earthquake damage and theft cover. However, Essential care will not cover you for accidental breakage of glass or accidental loss or damage.

Remember: there are different coverage limits for certain items under each level of this policy, so be sure to scan your PDS carefully and know the relevant price caps.

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Who is it good for

St George’s contents insurance would be suited to anyone who wants the flexibility to choose a level of cover that they can both afford and is sufficient for their own individual circumstances. Standalone contents insurance is also a good idea if you’re a renter, you don't currently have your own home to insure or your home is covered by a strata plan.

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Any catches

It should also be noted that if you opt for a more basic level of insurance, such as Essential, there may be some things you won’t be covered for. For instance, the Essential and Quality plans will not cover you for accidental loss or damage.

Details

Rates and fees information correct as at 16 April 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: No. Computer hardware: Yes.

  • Yes

  • Yes

  • Yes

  • Up to $3,000

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

  • No

  • 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

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).

Details

Rates and fees information correct as at 16 April 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

  • Up to $1,000

  • Yes

  • Computer software: No. Computer hardware: Yes.

  • Yes

  • Yes

  • Yes

  • Up to $10,000

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

  • No

  • 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

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).

Details

Rates and fees information correct as at 16 April 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

  • Up to $5,000

  • Yes

  • Computer software: Up to $3,000. Computer hardware: Yes.

  • Yes

  • Yes

  • Yes

  • Up to $20,000

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

  • No

  • Up to $2,000

  • No

  • Yes

  • Up to $3,000

  • No

  • Up to $15,000

Other cover
  • Up to $15,000 for funeral

  • Up to $500

  • 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

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).

Customer Reviews

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

Overall
6.4/10
Value for money
6.9/10
Policy coverage
6.8/10
Customer service
6.4/10
Claims handling
6.1/10
Trust
6.2/10
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About St.George

See St.George home insurance