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For almost 100 years, GIO has protected its customers against life’s bumps and breaks. When it comes to home insurance, it’s important to know that when you walk out the front door, you’re covered against loss or damage to your home or contents.
GIO Home Insurance offers a range of policy options and levels of protection. Finding the right choice for your home can be daunting. Luckily, we’ve broken it down for you, laying out what your options are, what’s included and what isn’t, as well as optional extras and how to make a claim.
As well as choosing what you want covered, you can also select your level of cover. Each level offers different optional benefits and claims limits. These options are:
All policies cover damage and loss as a result of flood, storm, lightning, fire, earthquake, tsunami, theft, burglary, accidental breakage of glass, escape of liquid, impact, damage by an animal, explosion and malicious acts of vandalism.
Home Building | Contents | Home and Contents | |
---|---|---|---|
Legal liability | |||
Lifetime guarantee on authorised repairs | |||
New for old replacement | |||
Storage of undamaged contents | |||
Cost to re-establish important documents | |||
Supplementary living expenses | |||
Temporary accommodation costs | |||
Mortgage discharge costs | |||
Loss of renewable energy supply | |||
Environmental improvements | |||
Garden and plant damage | |||
Debris removal | |||
Make safe repairs and other rebuilding costs | |||
Leak exploration costs | |||
Lock replacement | |||
Security call-out fees | |||
Contents in commercial storage | |||
Contents in transit | |||
Contents on common property – unit owners | |||
Contents temporarily removed | |||
Visitors’ contents | |||
Food and medication spoilage | |||
Transaction fraud cover | |||
Home office equipment | |||
Tools of trade | |||
Money, vouchers and cashable items | |||
Jewellery and watches | |||
Art and antiques | |||
Collections and memorabilia |
Each policy will have its own specific exclusions, so make sure you read the fine print before settling on a policy. Some general exclusions include loss or damage from:
An excess is the amount you have to pay for each incident when you make a claim. Sometimes you might have to pay more than one type of excess. For example, if a storm has damaged your house and a resulting flood damages its contents, you would need to make a separate claim for each incident.
Hold onto any damaged item, reports and documents after an incident and contact GIO as soon as possible. You can call them on 13 10 10 for more information about making a claim.
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
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