Territory Home Insurance

  • Make sure you're fully covered

    Use our home insurance calculators to help ensure you have enough cover to replace everything if you need to.

Value my Buildings
Buildings replacement cost calculator

Value my Buildings

Value my Contents
Home contents replacement cost calculator

Value my Contents
Get a quote in 2 mins

Home Buildings

Cover for your home buildings, which could also include things like your in-ground pool and garage
  • Cover for theft and housebreaking
  • Replacing keys and repairs to locks
  • Cover for cyclone, storm surge, hail and flood2
  • Up to 12 months temporary accommodation3
  • Up to $20 million legal liability cover
  • Optional Disaster Cover

Home Contents

Enjoy cover for your contents whether you own your home or are renting

  • New for old replacement where we agree to replace your contents4
  • Cover for theft
  • Cover for cyclone, storm surge, hail and flood2
  • Up to $20 million legal liability cover
  • Specify valuable items to make sure you have enough cover

*Conditions apply

Policy Documents and Key Fact Sheets

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS). A key fact sheet is also available for reference.

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.