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You can choose which type of policy you want to protect your home with SGIO Insurance, including:

  • Home Buildings Insurance – protects against loss or damage caused by things such as storm or fire, and includes a lifetime guarantee on the workmanship of all authorised repairs and/or rebuilding.
  • Home Buildings and Contents Combined Insurance – one policy that covers both home and contents means one premium.
  • Home Plus Insurance – all the protection of our Home Buildings Insurance, with extra protection for things like automatic cover for accidental damage and burn out of electric motors (fusion) plus our safety net for additional rebuilding costs if required.

Buildings value calculator

Calculate the current cost to rebuild your home with our easy to use calculator.

Home Buildings value calculator


Additional Content: 

Why choose SGIO Insurance?

  •  Flexible excess levels to help reduce your premium
  •  Lifetime guarantee for on the workmanship of authorised repairs
  •  Fast, paperless claims and 24/7 Helpline
  •  Experience – we’ve a history dating right back to the 1926 Goldfields
  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you save

Buildings Home Plus, our highest level of cover

SGIO Home Plus Insurance is our highest level of cover for your home.

It provides all the features and benefits of our standard Home Buildings Insurance, with additional cover to give you peace of mind.

Home Plus offers the following cover:

  •  Up to 25% safety net on top of the buildings sum insured for extra costs to rebuild your home if you need it
  •  Automatic cover for accidental damage and burn out of electric motors (fusion)
  •  Cover for Plants, trees and shrubs – up to $2,000
  •  Temporary accommodation for up to 2 years

To choose Home Plus simply complete a standard Home Insurance quote and then select the 'Upgrade to Plus cover' option.

What level of cover do I get for my money?

What are you covered for?


  Flood *
  •   Water and oil leaks
  Lightning   Fire   Earthquake
  •   Theft or attempted theft
  •   Vandalism or a malicious act
  Broken glass
  Impact damage   Animal damage   Explosion
  •   Riots or civil commotion
  Liability cover  

* Flood cover is included as standard with SGIO home insurance products which commenced on or after 9th January 2012. Damage caused by the sea is not covered (except tsunamis).

Optional covers Standard Buildings Buildings Home Plus
Accidental damage - mishaps around your home Optional  
Burn out of electric motors (fusion) Optional  
Pet lover's pack Optional Optional
Other covers Standard Buildings Buildings Home Plus
Safety net   Up to 25% of the
Buildings sum insured **
Plants, trees and shrubs   Up to $2,000
Temporary accommodation for home owners Up to 12 months Up to 24 months
Loss of rent for landlords    
Building materials Up to $1,000 Up to $5,000
Demolishing and removing debris    
Locating the cause of damage    
Rebuilding fees    
Meeting building regulations    
Mortgagee discharge costs    
Buying a new home    
Keys and locks    
Funeral expenses Up to $10,000 Up to $10,000

** Safety net applies to the extra costs to rebuild your home above the sum insured, if required.

Buildings Insurance discounts and savings

  Loyalty discount - save up to 25% on your premium as a loyal SGIO customer 

  No Claim Bonus - save up to 25% on your buildings insurance if you have a good claims history 

  Flexible excess levels - choose a higher excess for your policy and benefit from a lower premium. 

Find out more about Loyalty Discount

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