Who is GIO underwritten by?

GIO is underwritten by AAI Limited, which is part of the Suncorp Group.

Does GIO cover retaining walls?

Yes, GIO covers retaining walls, outdoor walls, gates, and fences within the boundaries of the insured address.

Are GIO call centres in Australia?

Yes, GIO has Australian-based call centres. You can contact GIO on 1800 036 837.

GIO Home Insurance review

4.1 (422 reviews) Write a review

GIO offers highly customisable policies with up to eight optional extras to tailor your cover.
Consider GIO for potential savings with online discounts, multi-policy, or bundling home and contents.
GIO only covers NSW VIC ACT but resolved over 50% of complaints early in 2024-2025.

Pros

Highly-customisable cover with up to eight optional extras, depending on your policy.
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.

Compare GIO's home insurance policies

Finder Score	Fire, Storm & Theft Damage
9.4 Excellent GIO Classic Home & Contents Insurance	9.4 Excellent	Optional	Discount: Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
9.2 Excellent GIO Classic Extras Home & Contents Insurance	9.2 Excellent		Discount: Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
7.7 Great GIO Platinum Home & Contents Insurance	7.7 Great		Discount: Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
8.6 Great GIO Classic Contents & Portable Values Only Insurance	8.6 Great	Optional	Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
7.1 Great GIO Classic Extras Contents & Portable Values Only Insurance	7.1 Great		Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
6 Standard GIO Platinum Contents & Portable Values Only Insurance	6 Standard		Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
9.9 Excellent GIO Platinum Home Only Insurance	9.9 Excellent		Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
9.9 Excellent GIO Classic Extras Home Only Insurance	9.9 Excellent		Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading
9.8 Excellent GIO Classic Home Only Insurance	9.8 Excellent	Optional	Get 10% off your first year's premium when you buy a new policy online. T&Cs apply.	View details Compare product selectionCompare	loading

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.

Read the full methodology

What additional cover options are available?

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%.

Comparison of complaint data from major home insurers.

Home insurance complaints - GIO · dw:UH5sd
Underwriter	Provider	Complaints received (building)	Complaints resolved at registration & referral (building)	Referral resolution rate	Complaints received (contents)	Complaints resolved at registration & referral (contents)	Referral resolution rate
AAI Limited	GIO	1,584	838	51.82%	384	204	56.20%
QBE Insurance (Australia) Limited	QBE	680	214	31.66%	58	19	32.76%
Allianz Australia Insurance Limited	Allianz	765	205	30.58%	138	42	32.06%
Insurance Australia Limited	NRMA	932	412	42.08%	240	123	50.83%

FAQs

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Nicola Middlemiss

Journalist

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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. See full bio

Nicola's expertise

Nicola has written 170 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

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GIO home insurance review

GIO home insurance is good if you want one of the most comprehensive policies available.