Home Insurance

Save up to 10%* when you buy both buildings and contents cover on the one policy.


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Home Insurance

With TIO you can feel confident that your home buildings, contents or investment property are covered.

Home Buildings
Cover for your home buildings, which could also include your inground pool and garage

See the options available for Home Buildings Insurance

Home Contents
Whether you own your home or are renting, make sure you have cover for your contents

See the options available for Home Contents Insurance

Building and Contents

Combine your Buildings and Contents Insurance to cover your home inside and out

See the options available for Buildings and Contents Insurance

Landlords Insurance
Protect your investment property to give you confidence that your property will be looked after should something go wrong

See the options available for Landlords Insurance

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

Home Insurance Calculators

Statistics show that 4 out of 5 homeowners/renters are underinsured^.

Get an estimate for how much Building and Contents cover you may need in just 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

Preparing for the Wet Season

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

Protect your home with our practical home security tips.
Read more
Talk to a local
Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
We cover the conditions
With our Home Insurance you may be covered for unexpected events such as cyclone, storm, flood2 and theft3 resulting in damage to your most important asset; your home.
Trusted since 1979
TIO was established in 1979, to provide Territorians with insurance options that are right for them. Almost 40 years on, we are still here because 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, 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.

If your house has been broken into and a window has been broken or a lock removed, leaving your house accessible for anyone, you are able to have the window or lock fixed, to ensure that your property is secured. You are able to do this before an assessor has viewed the property or the claims team has contacted you. Make sure that you keep your receipt as TIO will reimburse you for the cost of fixing the damage inflicted in the break-in, if the claim proceeds.
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1. Minimum premiums may apply

Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for any optional covers, including flood (where relevant).

2. 72 hour waiting period for loss or damage occurring from cyclones, storm surge or floods

As the Territory is subject to catastrophic weather events, it is necessary for us to apply a 72 hour waiting period for loss or damage occurring from cyclones, storm surge or floods. This means if you arrange new insurance or make a mid-term alteration such as increase sums insured, you will not have cover for these events until 72 hours after purchase or alteration.

3. Optional 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).