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.
Get an online estimate for how much Building and Contents cover you may need in just a few minutes!
^Source Understand Insurance, Australians guess the value of their contents, risking thousands of dollars media release, published June 2016 Understand Insurance is an initiative of the Insurance Council of Australia
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
Buildings Replacement Cost Calculator
For home owners and landlords
Home Contents Replacement Cost Calculator
For home owners and renters
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. Discount and minimum premiums
A discount of up to 10% on your premium for combining Buildings and Contents covers on one policy is applied for Buildings and Contents, Accidental damage and Disaster cover where you have selected these covers, but not Portable contents cover. Any discounts/entitlements may be subject to rounding and only apply to the extent that any minimum premium is not reached. If you are 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 will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges.
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.