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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.
We don't currently have this brand on our panel. But don't fret! You can head to the SGIC website or compare a bunch of other home insurance companies with finder.
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 at 13 32 33 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.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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