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SGIO Home Insurance

Live in WA? Consider SGIO Home Insurance to protect your home from a wide range of mishaps.

3.7 ★★★★★ (17 reviews) Write a review

Our Verdict

  • SGIO is one of the few insurers to automatically cover floods and storm surge. Some will make you pay extra for it.
  • Its Plus cover is a good option if you're looking for a comprehensive policy. Features like accidental damage, motor burnout and a 25% safety net take the guesswork out of what to get covered for.
  • You get 5% off a combined building and contents insurance – most insurers offer at least 10% while insurers such as Australian Seniors and Budget Direct take up to 30% off when you sign up online.
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What does SGIO Home Insurance cover?

SGIO Home Insurance provides cover for homes in Western Australia. You can choose from three different policies: building insurance, contents insurance and a combined home and contents insurance policy.

These policies cover you from a range of mishaps that include:

SGIO Home Insurance is issued by Insurance Australia Limited, one of the largest insurance companies in Australia. It offers customers the choice of their excess amount (from $100 to $5,000) and has a cooling-off period of 21 days.

Here's the rundown of an SGIO Home Insurance policy

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Standard features

SGIO offers two levels of home insurance: standard cover and plus cover. Plus Cover insures you for all of the scenarios mentioned as well as accidental damage, motor burnout and a safety net of an extra 25% on top of your insured amount to replace your home or contents.

These are some of the standard features that you can claim on under both the standard and plus cover.

  • Building materials
  • Credit card theft
  • Demolishing and removing debris
  • Flood
  • Liability cover up to $20 million
  • Key and lock replacement
  • Temporary accommodation for homeowners
  • Visitors' belongings

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Optional add-ons

SGIO Home Insurance offers a few optional extras which you can use to customise your policy further. These will have an additional cost on top of your base premium.
  • Accidental damage
  • Electric motor burnout (fusion)
  • Pet lover's pack
  • Protect your No Claim Bonus

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All home insurance policies will have general exclusions. Here are some things you won't be covered for with SGIO.

  • Actions of the sea
  • Birds pecking, scratching or biting
  • Erosion, deterioration, collapse, shrinkage or any other earth movements
  • Faulty design or workmanship
  • Leaving your home unoccupied and unmaintained for 60+ consecutive days
  • Mould
  • Tree roots or tree lopping
  • Vermin or insects

Make sure you review SGIOs Product Disclosure Statement for a more detailed breakdown of exclusions.

Here's some information on SGIO Home Insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how SGIO (Insurance Australia Limited) did:

  • Almost half (40.14%) of Insurance Australia Limited's complaints were able to be resolved directly with the customers.
    • It received a large proportion of complaints compared to other similarly sized insurers, though did receive fewer than AAI. This could suggest it's not the best choice for customer service.

    This is the bottom line about SGIO

    SGIO Home Insurance is a good overall home insurer compared to other policies on the market. It comes with plenty of benefits included as standard and a higher level of cover for those looking for the most comprehensive option. SGIO does fall behind other insurers when it comes to sign-up bonuses but you can get bigger discounts the longer you stay insured.

    Still making your mind up? To look at other home insurance policies side-by-side, you can head to our comparison homepage.

    Why you can trust Finder's home insurance experts


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    We're here to help

    Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    Frequently asked questions

    Leave an SGIO Home Insurance review

    If you've held, or currently hold, an SGIO Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if SGIO is right for them. Some reviews are from a survey commissioned by Finder.

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2 Responses

    Default Gravatar
    JohnMay 14, 2018

    If I have a fixed safe in the house, are the contents insured?

      JeniMay 14, 2018Finder

      Hi John,

      Thank you for getting in touch with Finder.

      As you are aware, contents insurance provides crucial financial protection for all your most treasured possessions and that includes your safe even if that is fixed in your home. If you are considering taking out home insurance with SGIO, please visit their official page or contact them directly to request for quotation.

      Alternatively, refer to the link above to compare brands offering content insurance. You can start comparing quotes between insurers by clicking on the “Get Quote” button.

      Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before you sign up for a policy.

      I hope this helps.

      Have a great day!


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