Highly-customisable cover with up to eight optional extras, depending on your policy.
GIO offers a range of discounts, including 10% for buying online, up to 10% for holding multiple policies, and 15% for bundling your home and contents insurance.
GIO Home Assist benefit can connect you with tradespeople quickly if there's an emergency in your home, like a burst pipe or lost power cut.
Cons
GIO only offers cover in NSW, VIC, and ACT.
GIO's most basic policy only covers up to $500 for lock replacement, visitor's contents and food spoilage, less than many other brands.
GIO's temporary accommodation cover could be stronger, offering a maximum of 15% of your sum insured, whereas some brands offer up to 20% as standard.
How does GIO compare with other popular providers?
GIO's middle-tier policy, Classic Extras, has competitive benefits with limits that are similar to most home insurance brands in its price range and, in some cases, higher.
Guest contents and food spoilage both have a limit of $1,000 with GIO, while Budget Direct only covers $500 for guest contents, AAMI covers up to $400 for food spoilage.
Compare GIO's home insurance policies
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Finder Score - Home Insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Depending on the level of cover you have chosen, there may be lots of optional extras you can add to your GIO policy, including:
Motor burnout - Cover the cost to repair or replace electrical motors in household equipment.
Accidental damage - Protection in the event of accidental damage, such as breaking an awning.
Excess-free glass cover - Repair or replace cracked or smashed glass without having to pay an excess.
GIO Home Assist - Fast connection with vetted tradespeople so they can deal with your emergency sooner.
Injury to pets - Payment to help cover vet bills if your pet cat or dog is injured.
Domestic workers compensation - Covers your legal liability to pay workers compensation to your domestic employee if they're injured while working in your home.
Portable valuables - Cover for items that you take out of your home, including jewellery, gadgets, mobility aids, and sporting equipment.
How to make a claim
There are two ways to lodge a home insurance claim with GIO - either by using the GIO app or online at the GIO website.
You'll need to make sure you have gathered the required documents before making a claim, then submit them to GIO either online or via the app.
GIO home insurance complaints information
In the 2024-2025 financial year, AFCA received a total of 1,968 complaints about GIO's home and contents insurance products. 1,042 of those were resolved at the registration and referral stage, giving GIO a referral resolution rate of 52.95%.
FAQs
GIO is underwritten by AAI Limited, which is part of the Suncorp Group.
Yes, GIO covers retaining walls, outdoor walls, gates, and fences within the boundaries of the insured address.
Yes, GIO has Australian-based call centres. You can contact GIO on 1800 036 837.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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