Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
TIO is a financial institution owned by the Northern Territory Government and its board of members. TIO operates on a commercial basis and works to provide financial services to its members and giving back to the Northern Territory communities. TIO gives its members access to a range of insurance products, home loans, savings accounts, debit cards, credit cards and refinancing advice.
TIO’s Home & Contents Insurance policy won a 2023 Mozo Experts Choice Award in the Exceptional Value Home & Contents Insurance category.
Last updated 10 January 2025
Important disclosures
Important disclosures
Advertiser disclosure
This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Products are initially shown with ‘Promoted’ products at the top that we have chosen to advertise more prominently. The table beneath lists products that meet the information in the filter, sorted according to estimated repayments for loans, and interest rates for deposits. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
TIO home insurance
Building Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $1,000
Emergency storage
Up to 12 months
Temporary accommodation
Up to 12 months, up to 10% of sum insured.
Temporary accommodation for pets
Up to 12 months, up to $500
Temporary repairs
No
Buildings and structural improvements
Yes
Building materials
No
Demolition cost
Up to 10% of sum insured combined with debris removal cost.
Debris removal
Up to 10% of sum insured combined with demolition cost.
Landscaping
Retaining walls and pathways covered. Up to $5,000 for plants.
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Optional extra with Accidental Damage
Antiques and valuables
Up to $2,500 per item, up to $7,500 in total
Cash
Up to $2,000
Cd dvd and electronic files
Up to $2,000
Computer software and hardware
Up to $1,500 per item
Camera and accessories
Up to $2,500 per item, up to $7,500 in total
Carpets
Yes
Home office contents
Up to $1,500 per item, up to $10,000 in total
Identity theft
No
Jewellery
Up to $2,500 per item, up to $7,500 in total
Personal medical equipment
Yes
Replacement of documents
Up to $2,500 per item, up to $7,500 in total
Tools of trade
Up to $1,500 per item, up to $10,000 in total
Lock replacement
Up to $1,000
Emergency storage
Up to 12 months
Temporary accommodation
Up to 12 months, up to 10% of sum insured.
Temporary accommodation for pets
Up to 12 months, up to $500
Temporary repairs
No
Buildings and structural improvements
No
Building materials
No
Demolition cost
Up to 10% of sum insured combined with debris removal cost.
Debris removal
Up to 10% of sum insured combined with demolition cost.
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
Home & Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
yes
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to 10 years old
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
No
Monthly payments cost extra
yes
General contents
Yes
Contents while moving
Optional extra with Accidental Damage
Antiques and valuables
Up to $2,500 per item, up to $7,500 in total
Cash
Up to $2,000
Cd dvd and electronic files
Up to $2,000
Computer software and hardware
Up to $1,500 per item
Camera and accessories
Up to $2,500 per item, up to $7,500 in total
Carpets
Yes
Home office contents
Up to $1,500 per item, up to $10,000 in total
Identity theft
No
Jewellery
Up to $2,500 per item, up to $7,500 in total
Personal medical equipment
Yes
Replacement of documents
Up to $2,500 per item, up to $7,500 in total
Tools of trade
Up to $1,500 per item, up to $10,000 in total
Lock replacement
Up to $1,000
Emergency storage
Up to 12 months
Temporary accommodation
Up to 12 months, up to 10% of sum insured.
Temporary accommodation for pets
Up to 12 months, up to $500
Temporary repairs
No
Buildings and structural improvements
Yes
Building materials
No
Demolition cost
Up to 10% of sum insured combined with debris removal cost.
Debris removal
Up to 10% of sum insured combined with demolition cost.
Landscaping
Retaining walls and pathways covered. Up to $5,000 for plants.
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
-
Loading...
Your selected home insurance
Thanks!
Please check your inbox for your shortlisted home insurance
Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
*
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.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
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.