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.
Finder Score - Home and Contents Insurance
Each month, we get crunching on most every home insurance product 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.
Each month, we get crunching on most every home insurance product 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.
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
According to data from the Australian Financial Complaints Authority (AFCA), AAI Limited - the company that owns GIO - was the subject of 1,096 complaints related to home or contents insurance in the final six months of 2023.
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 contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
What you need to know about finding the best home insurance for you. Compare policies and learn what questions to ask when researching insurance policies.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
