Protect your buildings, contents or both with our Territory Home Insurance.
Find out what is covered under our Home Buildings and Contents Insurance.
Find out what is covered under our Landlord Insurance.
For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement and any applicable supplementary PDS before making a decision to purchase the insurance. The Home Buildings and Home Contents Key Fact Sheets (KFS) also sets out some information about the cover.
The calculator will estimate a replacement cost by using the general information about your home buildings and contents provided by you. The estimate may not be appropriate for you and you will need to assess its suitability given your knowledge of your property and contents. It is your responsibility to ensure that the level of cover will be adequate to replace your buildings and home contents in the event of a covered claim. Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before deciding whether our home insurance is right for you please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable), PDS update (privacy notice) and Key Fact Sheets available on this website
TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.
Some content items have standard policy limits (e.g. jewellery, mobile phones and laptops). In some cases, you can increase the amount we’ll cover these items for. You will need to specify them on your policy, along with their individual replacement values.
Please refer to the relevant Product Disclosure Statement (PDS) for details of items with specified limits of cover.
If you have any questions, please contact 131 846.
1. Combined Discount
A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Accidental damage and Disaster cover, but not for Portable contents cover. The combined discount doesn't apply to the premium for Flood cover or Landlord policies.
2. 72 hour exclusion period for loss or damage occurring from cyclones, storm surge or floods
To manage the risk of people taking out insurance on their uninsured home buildings or contents or increasing cover on their underinsured home buildings or contents when events such as cyclones, floods or storm surge are predicted, TIO applies a 72-hour exclusion period to some insured events. We do not provide cover (where the type of cover you have under the policy provides it) for any loss of or damage to your property caused by cyclone, flood or storm surge, during the first 72 hours after you first take out or increase the cover under the policy. However, you will be covered from the time you take out or amend your policy for loss or damage to your buildings and/or contents caused by other insured events.
3. Minimum premiums may apply
Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you’re eligible for more than one discount, TIO applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.
Discounts don't apply to taxes or government charges.