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Home Buildings & Contents Combined Insurance

Integrating your buildings and contents policies into one simple solution, a Combined Home Buildings and Contents Insurance policy with SGIO offers West Australians the convenience and efficiency of one policy with one premium.

And, for even more peace of mind, SGIO Insurance has Home Plus Insurance, which is our highest level of cover and includes a safety net of up to 25% of the sum insured on buildings and general contents if required, as well as automatic cover for accidental damage and burn out of electric motors (fusion).
 

Home value calculators
 

Calculate the current value of your home buildings and contents with our easy to use calculators.

Home Buildings value calculator

Home Contents value calculator

 

Additional Content: 

Why choose SGIO Insurance?

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

I want the 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 and Home Contents 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
  •  Up to 25% safety net on top of the general contents sum insured for extra costs to replace your contents 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
  •  Accidental damage to your contents when you are moving them to your new home
  •  Identity theft up to $5,000
  •  Credit card theft up to $5,000
  •  Temporary accommodation for up to 2 years
  •  Optional cover for your Portable Contents for items including jewellery, watches and laptops outside your home

What level of cover do I get for my money?

For full cover details please read the Home Insurance Policy Booklet.

What are you covered for?
  Storm   Flood ^ 
  •   Water and oil leaks
  Lightning   Fire   Earthquake
  Animal damage   Liability cover   Broken glass
  •   Riots or civil commotion
  •   Theft or attempted theft
  •   Vandalism or a malicious act
  Impact damage   Explosion

 

^ 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 Combined Combined Home Plus
Accidental damage - mishaps around your home Optional  
Burn out of electric motors (fusion) Optional  
Pet lover's pack Optional Optional
Valuable Contents Optional Optional
Portable Contents Optional Optional
Other covers Standard Combined Combined Home Plus
Safety net - Buildings   Up to 25% of the General Contents sum insured *
Safety net - Contents   Up to 25% of the Buildings sum insured *
Identity theft   Up to $5,000
Plants, trees and shrubs   Up to $2,000
Accidental damage to your contents when you are moving them to your new home up to $5,000   Up to $5,000
Buying a new home    
Fire, theft or collision while taking your contents to your new home    
Moving into your new home **    
Food spoilage Up to $500 Up to $2,000
Fixtures for owners and landlords – strata scheme    
Temporary accommodation for home owners Up to 12 months Up to 24 months
Temporary accommodation for tenants or strata scheme 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    
Keys and locks      
Credit card theft when stolen from your home Up to $1,000 Up to $5,000
Visitors' belongings Up to $500 Up to $2,000
Funeral expenses Up to $10,000 Up to $10,000

* Safety net applies to the extra costs to rebuild your home or replace your general contents above the sum insured, if required.
** You must provide us with your new home details within 14 days from when you start moving.
 

Buildings & Contents 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 & contents 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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