Building and Contents Insurance

Cover your home buildings and contents Insurance against loss or damage caused by a broad range of insured events, such as cyclone, storm surge and flood2.

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Home Insurance

Watch our short video to understand the differences between Buildings and Contents insurance.

Video about the differences between buildings and contents insurance.

What’s covered in your Home Insurance?

To find out what is covered under Buildings or Contents insurance click between the buttons. To make our coverage easier to understand, we have also included the events that are covered (or not) under your insurance.

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 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.

Home Buildings insurance is designed to cover the physical structures that make up your home, like the house itself, garage, sheds, swimming pool and decks. See the full list of what’s covered under Buildings insurance.

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 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

What's covered by buildings insurance

Your permanently installed swimming pool is covered under your Buildings policy, however the water and chemicals are not covered.

Appliances permanently connected to gas, electricity or water are covered under your Buildings policy. This may include your stove, dishwasher, air conditioner or plumbed-in refrigerator.

If you include optional Accidental Damage cover you’re covered for damage caused by sudden, unforeseen and unintended events. For example, your toddler draws on your walls or you spill red wine on your carpet.

Plants that are planted in the ground are covered under your Buildings policy up to $5,000. A $500 limit applies where damage to these plants is caused by storm, storm surge, cyclone, rainwater and run off or flood.

Solar panels are covered under your Buildings policy (as long as the value of the solar panels is calculated in the Buildings sum insured). Plus, where we agree, if your home is completely destroyed we will provide you with up to an additional $5,000 (after deduction of any government or council rebates) to make your home more environmentally friendly.

Your car is not covered under Buildings or Contents insurance. View the options available to insure your car.

What’s covered

    • Buildings Cover

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Buildings optional covers

Add any of these optional covers for an additional premium and greater cover.

    • Accidental damage cover

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    • Disaster cover 3

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What insured events you are covered for

No matter which cover you choose, TIO provides protection for a range of insured events.

    • Fire or smoke (including bushfires and grassfires)

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    • Storm, storm surge2, cyclone2, rainwater or run-off

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    • Water or other liquid damage

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    • Theft or burglary

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    • Explosion

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    • Accidental breakage of glass or ceramic items

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    • Impact damage

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    • Vandalism or malicious damage

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    • Lightning

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    • Earthquake or tsunami

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    • Riot or civil commotion

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    • Flood2

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    • Motor burnout

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Buildings cover – additional benefits

We want to make sure that your policy offers you great features. So, if we agree to pay a claim for loss or damage to your buildings, we may also cover you for the following additional benefits. In most cases additional benefits are paid in addition to your Buildings sum insured.

No excess applies for these benefits.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

    • Alternative accommodation for you and your pets

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    • Making your buildings environmentally friendly

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    • Debris removal

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    • Building modifications

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    • Rebuilding and professional fees

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    • Building code compliance costs

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Home contents insurance is designed to cover belongings that you have at your home – from furniture, appliances and white goods to personal belongings like computers, clothing and shoes. It also covers your carpets and window furnishings.

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 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

What's covered by contents insurance

Your laptop is covered for insured events while it is at your home. Add Portable Contents cover to insure it while you are out and about. Alternatively optional Accidental Damage provides cover up to $1,500.

Your washing machine, fridge and microwave are examples of appliances covered under contents insurance.

Pot plants are covered under contents insurance.

Some general items have a maximum limit on the amount they can be insured for. View the limits. If you need to cover items above these limits you may be able to list them separately on your policy as Specified Contents.

Computers and office equipment are covered for personal use. If they are being used for a business, a limit of $1,500 per item, up to $10,000 in total applies so you may need to take out separate business insurance.

Your car is not covered under Buildings or Contents insurance. You can view the options available to insure your car.

What’s covered

    • General Contents

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Contents optional covers

Add any of these optional covers for an additional premium and greater cover.

    • Accidental damage cover

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    • Portable Contents

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What insured events you are covered for

No matter which cover you choose, TIO provides protection for a range of insured events.

    • Fire or smoke (including bushfires and grassfires)

      View details
    • Storm, storm surge2, cyclone2, rainwater or run-off

      View details
    • Water or other liquid damage

      View details
    • Theft or burglary

      View details
    • Explosion

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    • Accidental breakage of glass or ceramic items

      View details
    • Impact damage

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    • Vandalism or malicious damage

      View details
    • Lightning

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    • Earthquake or tsunami

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    • Riot or civil commotion

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    • Flood2

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    • Motor burnout

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Contents cover – additional benefits

We want to make sure that your policy offers you great features. Unless we have stated differently under one of the additional benefits listed below, the benefit will only apply where we have accepted a claim for loss or damage caused by an insured event.

Some of the following additional benefits are paid in addition to your Contents sum insured. Check each of the additional benefits for details.

In most cases, no excess applies for these benefits, unless stated otherwise.

In order to be sure that you are covered under this policy you should always contact us for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred to the amount we would have authorised had you asked us first.

    • Additional costs of alternative accommodation for you and your pets

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    • Moving house – Contents cover at your old and new address

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    • Debris removal

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    • Food or medicine spoilage

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    • Emergency contents storage

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    • Vet costs

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    • Guest, visitor and domestic helper property

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Did you know

You must tell us as soon as reasonably possible if, during the period of insurance, your building has not been lived in (or will not be lived in) for more than 60 consecutive days.
You must tell 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 must tell us as soon as reasonably possible if, during the period of insurance, you start using any part of your home buildings for business, trade or professional purposes (except for a home office).
You must tell us as soon as reasonably possible if, during the period of insurance, you remove or stop using any security devices that were specifically required by us.
We will consider your home unable to be lived in when it is so damaged that normal domestic activities like cooking, sanitation and personal hygiene cannot take place, and you cannot live in the home.

Policy Documents and Key Fact Sheets

Any advice here is of a general nature only and does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) /Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) and Home Buildings or Home Contents Key Fact Sheet is also available for reference.

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 choose to pay your premium via direct debit you can pay monthly and will incur a service fee of 11%. Alternatively you can pay annually, which does not attract any service fees.
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).
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 insurance options that are right for them. We are as committed and passionate about the Northern Territory as you are.

*Conditions apply

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, a 72-hour exclusion period applies 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. 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 pay up to an additional 30% of your Buildings sum insured if the cost of repairing or replacing your building exceeds your sum insured following loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).