Buildings and ContentsSAVE up to 10%1 when you buy both buildings and contents cover on the one policy

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement

Home Buildings

Cover for your home buildings, which could also include your in ground pool and garage

  • Cover against loss or damage caused by Cyclone, storm surge and flood2 , and more
  • Up to $20 million legal liability cover
  • Optional Disaster Cover

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Home Contents

Whether you own your home or renting, cover for your contents

  • Cover against loss or damage caused by a range of events including theft, cyclone, storm, rainwater or hail etc.
  • New for old replacement where we agree to replace your contents
  • Up to 12 months accommodation if your home is rendered uninhabitable by an insured event (up to 10% of building or contents sum insured)

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With TIO you can feel confident that your
home building, contents and valuables are protected.
You have the choice of two different levels of cover:

Premium Cover (Accidental Damage)

Covers your buildings and/or contents for accidental loss or damage (unless specifically excluded).

Essential Cover (Insured Events)

Covers your buildings and/or contents for loss or damaged caused by a specific list of events including Cyclone, Strom Surge and flood.

Optional Covers

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement

Disaster cover

(only available in conjunction with buildings cover)

Following a significant event that causes widespread property destruction, like cyclone, earthquake or flood, it is common for building costs to increase significantly in line with demand.

If you select Disaster Cover, we will increase the sum insured on your buildings by 30% for covered loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).

Personal Effects

(only available in conjunction with contents cover)

Our Personal Effects option provides cover for accidental loss or damage to your portable items both at home, anywhere else in Australia and for up to 120 continuous days overseas.

Home Insurance CalculatorsStatistics show that 4 out of 5 homeowners/renters are underinsured.

Get an estimate for how much Building and Contents cover you may need in a few minutes!

Source Insurance Council of Australia, Understand Home Insurance Research Report, published August 2014

Value my Buildings
Buildings Replacement Cost Calculator

Value my Contents
Home Contents Replacement Cost Calculator

More about Territory Home Insurance

Making a Claim

Learn more about making a claim or start a claim now


Learn More

Policy Documents

Download and read the Product Disclosure Statements for Home Insurance.

Learn More

Preparing your home for the Wet Season

Tips to prepare you and your home in the lead up to a major weather event

Learn More

Home Security

Protect your home with our practical home security tips.


Learn More

Frequently Asked Questions

Some content items have standard policy limits (e.g. jewellery, fishing gear, push bikes etc…). 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.

We will insure the contents for a maximum of three unrelated people. All owners/occupants must be listed as an insured on the policy.
If you are altering the security on your property you should inform us as it may change the conditions of your home insurance at renewal. If you are improving your security, you may be eligible for a discount.
Before commencing renovations, extension or demolition, it’s important you notify us as it may affect the cover under your home insurance policy. You must tell us if the renovation, extension or demolition costs more than $50,000.
Yes, it is important that TIO is informed of any change in use of the premises.

If you have any other questions, please contact 131 846.

Why TIO

Local contact centre and claims team

While it may sound so simple, when things happen, talking with someone who lives and works in the Territory becomes really important.

$13m in claims paid
(Jan – Dec 2016)

Our focus has, and always will be, about getting you and your family back in, and enjoying your home.

Choice of cover

Because we understand Territory conditions and know we all need different things from our insurance.

Policy Documents and Key Fact Sheets

For the standard terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

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