SGIC Home Insurance

Need to protect your most prized possessions? Consider a home insurance policy from SGIC.

If disaster struck your home would you be protected? SGIC offers two levels of cover for your home and contents. Read up on the features of each and determine if SGIC is right for you.

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Details Features
Home & Contents Insurance
Home & Contents Insurance
Save 30% when you purchase cover online
  • 24/7 Phone & online claims service
  • Covers the cost of rebuilding or repairing your home
  • Covers in-home contents and contents away from address
  • Choice of excess options
Go to site More info
Gold Home and Contents
Gold Home and Contents
Save 30% on cover when you purchase online
  • Cover for surrounding garages, verandahs and fences
  • Cover for your contents
  • Cover against theft, storm and rainwater, fire and more
  • Temporary accommodation
Go to site More info
Comprehensive Building and Contents
Comprehensive Building and Contents
Save up to 30% when you purchase a combined Woolworths Home and Contents policy online. Cover must be purchased prior to 31st October.
  • $8,000 cover for outdoor contents
  • $10,000 cover for home office contents
  • Accidental damage cover
  • Emergency accommodation cover
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Receive 30% off when you purchase cover online
  • New for old replacement cover
  • Automatically insured for fire, storm, rainwater and theft
  • Adjustment of sum insured at renewal
  • $20 million legal liability benefit cover
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Buy online and save up to 10% on your policy.
  • Cover for legal liability
  • Protect your contents and possessions
  • Cover against theft, storm and rainwater, fire and more
  • Cover for accidental damage
Go to site More info
Home and Contents
Home and Contents
Save 30% and new eligible customers can receive 10,000 Velocity Frequent Flyer Points when you purchase online
  • Up to $20 million legal liability cover
  • 21 day money back guarantee if a claim has not been made
  • Optional extras on offer
Go to site More info
Home and Contents Insurance
Home and Contents Insurance
Save up to 30% when you purchase cover online
  • Up to $20 million legal liability cover
  • New for old replacement cover
  • Optional 25% safeguard if sum-insured not sufficient
  • Optional flood cover
Go to site More info
Building and Contents Insurance
Building and Contents Insurance
Cover for loss or damage caused by riot or civil commotion
  • Cover for loss or damage by theft, attempted theft
  • Cover for damage from accidental fire
  • Optional burnout of electric motors
  • Optional accidental damage cover
Go to site More info

SGIC home insurance levels of cover

SGIC offers two home insurance policies: home (basic home and contents) and home plus (comprehensive).

Home

SGIC Home can provide cover for your building and contents against damage from storms, floods, fires, theft, vandalism and a number of other insured events. It includes cover for up to 12 months of temporary accommodation costs, new for old contents replacement, spoiled food, credit card theft, demolition and removal of debris costs as well as for visitors’ belongings. You also get $20 million of legal liability cover if someone makes a claim against you for causing death, bodily injury or property damage.

  • Covers loss or damage caused by storms, floods, water and oil leaks, tsunamis, earthquakes, lightning, fire, theft or attempted theft, vandalism, malicious acts, broken glass, impact damage, animal damage, explosion, riots or civil commotion
  • New for old contents cover
  • 12 months of temporary accommodation costs
  • Demolition and removal of debris
  • Visitors’ belongings
  • Replacement of keys and locks
  • Loss of rent for landlords
  • $20 million legal liability cover
  • Optional cover for accidental damage and electric motor burnout
  • Available as combined building and contents cover or as standalone cover for buildings or contents

Home Plus

Home Plus Insurance offers all the benefits of an SGIC Home Insurance policy, but with a few added extras to give you comprehensive protection. It provides a safety net of up to 25% on top of both your building and contents sums insured to make sure that you have extra cover to rebuild your home or replace your contents if required. It also includes automatic cover for electric motor burnout and accidental damage as well as temporary accommodation costs for up to two years.

  • All the same benefits as a home policy with added extras
  • An extra 25% of the sum insured for your buildings to help repair your home
  • An extra 25% of the sum insured for your contents to replace your contents
  • Two years temporary accommodation cover
  • Accidental damage
  • Electric motor burnout (fusion) cover
  • Covers identity theft up to $5,000
  • Covers credit card theft up to $5,000
  • Available as combined building and contents cover or as standalone cover for buildings or contents

What kind of exclusions are there?

SGIC will not pay your home insurance claim if it is caused by:

  • Rust, corrosion, gradual deterioration, depreciation, wear or tear.
  • Erosion.
  • Actions of the sea.
  • Subsidence or landslide (unless it occurs as an immediate result of an earthquake, explosion, storm or flood).
  • Mould, vermin or insects.
  • Atmospheric conditions or extreme temperature.
  • Tree roots or by tree lopping or felling on your site.
  • Lawful seizure or confiscation of your home or anything else covered by your policy.
  • War or an act of terrorism.
  • An intentional act or omission by you, your family, someone who lives in your home or by someone who acts with your consent.
  • Your involvement in any illegal activity.
  • The mechanical, structural or electrical failure of an item.
  • Business interruption costs.
  • The cost of reinstalling or replacing electronically stored files.
  • The sentimental value of an item.
  • For consequential financial loss.
  • Settling, shrinkage or expansion in buildings, foundations or walls.
  • Faulty design or workmanship.
  • You leaving your home unoccupied for 60 consecutive days or more and do not maintain it in a lived-in state.
  • You not ensuring that your home remains in good repair and condition.
  • You failing to take reasonable care to protect your home and contents against loss or damage.

What kind of excess is there?

The excess is the amount you need to contribute to the cost of a claim. There are three types of excesses that may apply and you may need to pay more than one excess. The following excesses could apply:

  • Basic excess. This excess applies to most claims and you can adjust your excess amount higher in order to receive lower premiums. The following choices of basic excess are available: $100 (or nil if you are 50 years or older), $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000 or $5,000.
  • Earthquake excess. This $500 excess is payable if you make a claim for loss or damage as a result of an earthquake.
  • Special excess. The insurer may opt to impose a special excess for one or more of the listed events covered by your policy.

Who is eligible for SGIC home insurance?

SGIC offers its home insurance policies in South Australia only. Customers in other states and territories can access cover from other providers in the Insurance Australia Group. Residents in NSW, the ACT, Queensland and Tasmania should contact NRMA Insurance, while WA residents can contact SGIO.

How do I make a claim?

If you need to make a claim on your SGIC policy, it’s important to contact the insurer as soon as possible. You can make a claim 24 hours a day, 7 days a week in one of the following ways:

  • Online. You can lodge your claim via SGIC’s Self Service Centre. This allows you to provide details of the event and upload photos or documents to support your claim. You can also use this online portal to track the progress of your claim at any time.
  • Over the phone. You can also phone SGIC to lodge your claim. You will need to answer a few questions about the event for which you are claiming and find out whether you need to pay an excess.

You can also follow a few simple steps to make sure your claim is processed as smoothly as possible:

  • Do not make any admissions or attempt to settle any claims against you.
  • Co-operate fully with the insurer, including supplying any documents or information the insurer requests.
  • Do everything you reasonably can to prevent further loss or damage.
  • Provide the insurer with proof of loss or ownership if required.
  • Report any theft, attempted theft, identity theft, vandalism or malicious act to the police immediately.

Other questions you may have

SGIC’s home insurance policies are issued by Insurance Australia Limited trading as SGIC.
Yes, you can include the following options in your cover for an additional premium:

  • Portable contents cover
  • Fusion cover
  • Accidental damage to your home and contents
  • Pet lover’s pack to cover vet costs if your dog or cat is hurt in an accident
Yes, SGIC policies automatically include flood cover as standard.
Yes, there is a 21-day cooling-off period. This means that if you change your mind and cancel cover within the first 21 days, your premium will be refunded.
Yes, the following discounts are available:

  • A loyalty discount of up to 25% is available to long-term customers who hold multiple policies with SGIC
  • A no-claim bonus of up to 25%
You can pay your SGIC home insurance premium annually in one lump sum or in monthly instalments by direct debit from your nominated bank account or credit card.

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