SGiO Home & Contents Insurance

SGiO is an insurance provider for homes, cars and travel that is exclusive to Western Australia.

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See below for a snapshot of SGiO’s home and contents insurance products on offer for a home owner under 50 living in Western Australia to replace building and contents worth less than $550,000.

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What do SGiO home and contents insurance policies cover?

SGiO offers home building insurance, contents insurance and combined home & contents insurance

Home Building Insurance

SGiO’s building insurance offers the following:

  • A ‘lifetime guarantee’ when your home is repaired or rebuilt by one of its preferred repairers
  • Cover for the outside of your home (roofs, patios, verandas, etc.)
  • Cover for your pool and shed
  • Cover for fences
  • Optional cover:
  • Accidental damage
  • Cover for up to $2,000 in vet costs for cats and dogs
  • Burn out of electric motors (fusion)

Contents Insurance

Contents insurance with SGiO offers:

  • New for old item replacement if they’re stolen or damaged
  • Cover for soft interior furnishing (carpets, curtains etc.)
  • Cover for gardening tools
  • Cover for toys and sporting equipment
  • Cover for appliances (fridges, washing machines, etc.)
  • Optional cover:
  • Portable contents (laptops, jewellery)
  • Accidental damage
  • $2,000 in vet costs
  • Burnout of electrical motors in general contents items

Home and Contents Insurance

SGiO’s home & contents insurance policy offers a combined package of the two. By applying for its Home Plus package, you can also acquire a 25% safety net on top of the general contents sum insured and temporary accommodation if your home is unliveable.

Read the relevant Product Disclosure Statement (PDS) documents for more information.

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How do I apply for an SGiO home and contents insurance policy?

To apply for an SGiO home insurance policy, first compare your options in Canstar’s home insurance comparison tables. Once you’ve done this, you can complete SGiO’s seven-step process to obtain a quote and apply online, or call 133 233.

You will need to provide information on:

  • Your policy start date
  • Your home address
  • Who lives in your home and the number of people covered by the policy
  • Any promotional code you might have

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For landlords, a better option than home insurance is landlord insurance. Landlord insurance covers you for the same things as a home insurance policy, but with several important additions to cover you against risks from your tenants.

To see what kind of options SGiO offers for landlord insurance, have a look at the product below.

If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of the above value, then you could insure for a complete replacement to give yourself peace of mind. Find out how much home insurance you need and how much contents insurance you need.

You can make a claim online and upload any supporting photos or documents immediately with SGiO, by simply using its online claims centre. This will merely take a few minutes, and all you’ll need is your home insurance policy number and details of what happened. Alternatively, you can call 133 233.

SGiO is a Western Australian-based insurance provider backed by the Insurance Australia Group (IAG). With 90+ years of experience in the state, SGiO is one of the most trusted and experienced providers in Western Australia.

SGiO is very active in the West Australian community. In particular, it supports and runs community education programs that help people deal with emergency situations such as fire or storms.

Written by: William Jolly | Last updated: