Home Insurance and Contents Insurance

Whether you're a home owner, investor, or renting, TIO can help you cover your home policy.


Retrieve a quote

Home Insurance

With TIO you can protect your home buildings, contents or investment property. Use our home and contents or landlord interactive tool to see what cover is included in home buildings, contents and landlord insurance.

Home Insurance

Protect your buildings, contents or both with our Territory Home Insurance.

Find out what is covered under our Home Buildings and Contents Insurance.

Landlords Insurance
Protect your investment property with our Territory Landlord 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.

Save up to 10% when you buy both Building and Contents Insurance and combine them on the one Home Insurance policy 1,3

Suitable for owner-occupiers. Covers the cost of loss or damage to both your home building and home contents.

View the PDS

Home Insurance Calculators

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

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

Value my Buildings

Buildings Replacement Cost Calculator

Value my Buildings

For home owners and landlords

Value my Contents

Home Contents Replacement Cost Calculator

Value my Contents

For home owners and renters

Preparing for the Wet Season

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

Home Security

Protect your home with our practical home security tips.
Read more

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

Find out more


Talk to a local!
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
We cover various weather events
With our Buildings and Contents cover, you may be covered for storms, cyclones2, hail, storm surge2 and flood2.
Trusted since 1979
TIO was established in 1979 to provide Territorians with a range of insurance options to choose from. We are as committed and passionate about the Northern Territory as you are.

Frequently Asked Questions

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.

We will insure the contents for a maximum of three unrelated people. All owners/occupants must be listed as an insured party on the policy.
If you are altering the security on your property you should inform us as soon as reasonably possible as it may change the conditions of your home insurance. This may affect your premium.
You need to advise us as soon as reasonably possible if, during the period of insurance, you begin any alterations, additions, demolitions, repairs to or decorations of the buildings expected to cost more than $75,000. You are not required to increase your sum insured until the renovations have been completed.
Yes, you must inform TIO of any change in use of the premises as soon as reasonably possible.

If you have any questions, please contact 131 846.

If your house has been broken into and a window has been broken or a lock damaged, leaving your house unsecure, you can have the window or lock fixed before an assessor has viewed the property or the claims team has contacted you. Make sure that you keep your receipt as TIO may reimburse you for the cost of fixing the damage caused by the break-in, if the claim proceeds.
If you have added solar panels or any other additions to your property, you do not need to specify them in your policy. However you should increase your sum insured to reflect any changes, to help make sure you are adequately covered in the event of a home insurance claim. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement (PDS) and any supplementary PDS (where applicable).
Which best describes you?

*Conditions apply

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.