Home Buildings and Contents Insurance

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The information on this page is for policies starting from 14 January 2025.

For customers who started a policy before this date, view the relevant Product Disclosure Statement (PDS).

Existing customers:

Home Insurance

TIO Territory Home Insurance gives you the option to cover your buildings, contents or both under the one policy for the cost of repair or replacement when loss or damage is caused by events such as break-ins, fires (including bushfire and grassfire), storm surge2, cyclone2, flood2, impact damage such as a fallen tree, as well as accidental breakage of glass and more*.

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.

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, or flood, run-off, flood water combined with run-off and/or rainwater.

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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      Building Cover

      Buildings Cover

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Structures
      • Your home building.
      • Garages, carports, sheds.
      • Granny flats (provided they are not tenanted for money, reward or other consideration).
      • Pipes, cables, ducts, wires, meters and switches used in connection with the supply of water, drainage, sewerage, communication, electricity, cooling and heating.
      • Water reticulation systems, hose, pipes, sprinklers, fittings, valves and controllers whether above or below ground - cover is limited to $5,000 in total for these items.
      • Decks, verandas, pergolas, gazebos, patios and terraces.
      • Gates, fences, free-standing walls and retaining walls.
      • Paved paths and driveways.
      • Swimming pools (permanently installed), fixed spas and saunas including their fixed accessories (excluding water).
      • Tennis courts.
      • Permanently installed water tanks, sewerage storage or treatment tanks (excluding water).
      • Other structural improvements.
      What’s not covered
      Structures
      • Residential flats, home units or town houses, which are part of a strata title development.
      • Unpaved paths or driveways, including those made of loose or compacted soil, gravel, pebbles, rocks or sand.
      • Buildings that are not lived in (or will not be lived in) for more than 60 consecutive days unless you have our prior agreement in writing.
      • Buildings under construction.
      • Building materials located at the insured address which are to be fitted to the buildings.
      • Any buildings you rent to tenants, for money, reward or other consideration unless you also live at the insured address.
      • Any granny flat you rent to tenants for money, reward or other consideration.
      • Wharves, jetties and pontoons.
      • Liquids (including water, chemicals or gas) that are normally stored in a container or for use in items such as a spa, swimming pool or any fixed apparatus, tank, hose or pipe.

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

      What’s covered What’s not covered
      Fixtures
      • Fixed ceiling, wall and floor coverings (except carpet or rugs), including fixed external blinds and awnings.
      • Built-in furniture, clothes lines and built-in barbeques.
      • Fixed domestic appliances that are permanently connected to electricity, gas or water, like:
        • air conditioners & heating systems,
        • ovens,
        • dishwashers,
        • hot water systems,
        • fixed ceiling fans, light fittings,
        • plumbed in refrigerators.
      • Solar panels.
      • Satellite dishes and antennas.
      What’s not covered
      Fixtures
      • Carpets, rugs and internal blinds. Go to Contents.

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

      What’s covered What’s not covered
      Landscaping
      • Trees, shrubs, hedges and plants that are planted in the ground – $5,000 limit applies for all insured events except:
        • storm, storm surge, cyclone, or rainwater; or
        • flood, run-off, flood water combined with run-off and/or rainwater,
      • in which case a $500 limit applies.
      What’s not covered
      Landscaping
      • Loss or damage caused by tsunami.
      • Grass or lawn (unless part of a tennis court).

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

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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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      Building Cover

      Accidental damage cover

      Available with both Buildings and Contents cover.

      The Accidental damage cover option helps cover you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home buildings and/or contents

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or Contents
      • If you’ve insured your buildings, we’ll cover accidental damage or loss.
      • If you’ve insured your contents, we’ll cover accidental damage or loss to any content items:
        • at the insured address, and
        • anywhere in Australia for up to 90 continuous days in any one period of insurance.
      • General Contents with set limits will continue to apply
      What’s not covered
      Buildings and/or Contents
      • Loss or damage which is specifically excluded by any of the insured events set out in the PDS.
      • Loss or damage caused by, or arising from:
        • domestic animals or pets owned by you or for which you are legally responsible for,
        • tree roots,
        • settling, shrinkage or expansion in buildings, foundations, pavements or walls,
        • removal or weakening, of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs,
        • incorrect siting of buildings,
        • demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits.
      • Also see General Exclusions in the PDS

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

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    • Disaster cover3

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      Building Cover

      Disaster cover 3

      Available for Buildings cover only or both Buildings and Contents cover.

      Following a significant event that causes widespread property destruction, like cyclone, earthquake or flood, it is common for building costs to increase significantly when there is high demand for building services.

      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 buildings exceeds your sum insured following loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami).

      Disaster cover does not increase your Buildings sum insured. Any other additional benefits which are payable based on a percentage of the Buildings sum insured will not be increased as a result of this optional cover.

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or Contents
      • If we accept a claim for loss or damage caused by a named cyclone (including storm surge), flood or earthquake (including tsunami) that is declared to be a disaster event by us, the government or the Insurance Council of Australia, we will pay up to an additional 30% of your Buildings sum insured to:
        • repair or replace your home, or
        • pay you what it would cost us to repair or replace your home.
      • No excess applies to this benefit
      What’s not covered
      Buildings and/or Contents
      • Loss or damage which is specifically excluded by any of the insured events set out in the PDS.
      • Also see General Exclusions in the PDS

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

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What insured events you are covered for

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

    • Fire or smoke (including bushfires and grassfires)

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      Building Cover

      Fire or smoke (including bushfires and grassfires)

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or Contents
      • Loss or damage caused by:
        • fire,
        • bushfires and grassfires, or
        • smoke.
      What’s not covered
      Buildings and/or Contents
      • Loss or damage:
        • which arises gradually out of repeated exposure to fire or smoke,
        • of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or
        • to any property as a result of scorching and/or melting – for example cigarette burns. This exclusion does not apply if you’ve selected optional cover for Accidental Damage.

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

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    • Storm, storm surge2, cyclone2, or rainwater

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      Building Cover

      Storm, storm surge2, cyclone2, or rainwater

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or Contents
      • Loss or damage caused by:
        • storm,
        • storm surge*,
        • cyclone*,
        • rainwater, but this doesn't include run-off
      • *A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone.
      • Loss or damage caused by or arising from:
        • soil movement, including erosion,
        • landslide,
        • mudslide, or
        • subsidence,
      • if it is caused directly by and occurs within 72 hours of a storm or storm surge.
      What’s not covered
      Buildings and/or Contents
      • Loss or damage caused by:
        • hydrostatic pressure,
        • rainwater, hail, wind, or water that enters your buildings:
          • through an open door, window, or other opening (this exclusion doesn't apply to openings made by the storm or cyclone, or, if you've selected the optional cover Accidental damage and it's shown on your policy schedule),
          • through an opening made for the purpose of construction, alterations, additions, demolition, repairs, or decorations,
          • due to gradual deterioration, wear and tear, and where you could reasonably be expected to have been aware of the deterioration or wear and tear,
          • due to faulty design or materials, structural defects or poor workmanship that you could reasonably be expected to have been aware of,
          • due to lack of maintenance or poor housekeeping.
      • Loss or damage to:
        • trees, shrubs, hedges, and plants planted in the ground,
        • gates, pathways, driveways, fences, freestanding walls, or retaining walls,
        • swimming pool and spa covers, their liners or solar domes,
        • the external paintwork or other exterior coatings of the buildings caused by rainwater.
      • The cost of cleaning mud or debris out of tanks, swimming pools, or spas.

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

    • Water or other liquid damage

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      Building Cover

      Water or other liquid damage

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or Contents
      • Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any:
        • domestic home appliances – for example a dishwasher or washing machine,
        • fixed rainwater or hot water tanks,
        • radiators and oil heaters,
        • fixed pipes, gutters or drainpipes, sinks, baths, basins, or water carrying apparatus,
        • waterbeds,
        • aquariums designed to hold more than 20L
        • swimming pools or spas.
      • Buildings only
      • If we have agreed to pay a claim for water or other liquid damage to your buildings and:
        • we authorise any exploratory work to locate the source of the damage, we will pay those costs,
        • you incur costs without our prior agreement, we will only pay the covered costs that we consider are reasonable.
      What’s not covered
      Buildings and/or Contents
      • Loss or damage:
        • as a result of gradual escape of water or other liquid over time:
          • where you or a reasonable person could be reasonably expected to have been aware of this, such as, but not limited to, where there is visible damage and/or changes to the property e.g. staining on ceilings and/or walls, evidence of mould/mildew, deterioration of tile grouting or adhesive, or
          • from a shower base, shower recess, shower alcove or the walls surrounding the shower,
          • as a result of sinks, baths, or basins overflowing due to:
            • a tap being left running and,
            • the plug being left in the drain.

              unless you’ve selected the optional cover Accidental damage and it's shown on your policy schedule.
          • caused by rust, corrosion, algae, mould or mildew.
        • The cost of repair or replacement of:
          • a defective part or parts that caused the loss or damage, or
          • any broken main or pipe.

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

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    • Theft or burglary

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      Building Cover

      Theft or burglary

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings
      • Loss or damage caused by actual or attempted theft or burglary.
      • Up to $1,000 to replace the locks or cylinders of any external door or window if the key is stolen.
      • No excess applies for the replacement of locks or cylinders. We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).
      What’s not covered
      Buildings
      • Where the actual or attempted theft or burglary is committed by:
        • you or anyone who lives at the insured address (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat),
        • any person you (or anyone who lives at the insured address) invite into your home,
        • any person who is acting with your express or implied consent, or
        • any person who you employ at your home such as a cleaner, nanny, child-minder or gardener.
      • The replacement of locks or cylinders which are insured by the body corporate or similar.

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    • Explosion

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      Building Cover

      Explosion

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or contents
      • Loss or damage caused by explosion.
      • Loss or damage caused by or arising from:
        • soil movement, including erosion,
        • landslide,
        • mudslide, or
        • subsidence,
      • if it is caused directly by and occurs within 72 hours of an explosion.
      What’s not covered
      Buildings and/or Contents
      • Loss or damage caused by terrorism.

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

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    • Accidental breakage of glass or ceramic items

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      Building Cover

      Accidental breakage of glass or ceramic items

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).
      What’s covered What’s not covered
      Buildings
      • Accidental breakage of a fixed glass or ceramic item, like a window, cooking surface or toilet.
      What’s not covered
      Buildings
      • Tiled shower bases.
      • Ceramic tiles (unless you’ve selected the optional cover Accidental damage and it's shown on your policy schedule).
      • Cracks, scratches or chips in any item.
      • Glass forming part of any glass-house, greenhouse or conservatory.

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    • Impact damage

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      Building Cover

      Impact damage

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or contents
      • Loss of damage caused by impact from:
        • any motor vehicle, train or watercraft,
        • an external aerial or satellite dish which collapses or breaks,
        • an aircraft, or anything dropped or falling from an aircraft,
        • space debris or debris from a rocket or satellite,
        • any animal, excluding any animal kept in your home buildings as a domestic pet, or
        • falling trees or parts of trees.
      What’s not covered
      Buildings and/or Contents
      • Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address.
      • The cost of removing trees or branches if no damage has occurred to your buildings or contents.
      • The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

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

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    • Vandalism or malicious damage

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      Building Cover

      Vandalism or malicious damage

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or contents
      • Loss or damage caused by vandalism or a malicious act.
      What’s not covered
      Buildings and/or Contents
      • Where the vandalism or malicious act was:
        • you or anyone who lives at the insured address with you (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat),
        • any person you (or anyone who lives with you at the insured address) invite into your home,
        • any person you employ to do work for you in your home buildings, like a cleaner, nanny, child-minder or gardener, or
        • anyone acting with your express or implied consent.
      • If the vandalism or malicious act related to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.

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

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    • Lightning

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      Building Cover

      Lightning

      This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

      What’s covered What’s not covered
      Buildings and/or contents
      • Loss of damage caused by lightning.

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

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      • Earthquake or tsunami

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        Building Cover

        Earthquake or tsunami

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss or damage caused by earthquake or tsunami.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • mudslide, or
          • subsidence.
        • if it is caused directly by and occurs within 72 hours of an earthquake or tsunami.
        • An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by actions of the sea.

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

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      • Riot or civil commotion

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        Building Cover

        Riot or civil commotion

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss or damage caused by a riot or civil commotion.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by terrorism.

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

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      • Flood and/or run-off2

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        Building Cover

        Flood and/or run-off2

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss or damage caused by:
          • flood*,
          • run-off,
          • flood water*, combined with run-off and/or rainwater.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of a flood, including where the flood water is combined with run-off and/or rainwater.
        • *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and/or rainwater – see the PDS for full details
        What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by:
          • actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured event – see PDS for full details.
          • soil movement including erosion, landslide, mudslide or subsidence – unless it is directly caused by, and occurs within 72 hours of the flood, including where the flood water is combined with run-off and/or rainwater,
          • shrinkage or expansion of earth or land,
          • hydrostatic pressure.
        • Loss or damage to:
          • gates, pathways, driveways, fences, freestanding walls, retaining walls, pontoons, jetties, or bridges,
          • trees, shrubs, and plants planted in the ground,
          • swimming pool and spa covers, their liners or their solar domes.
        • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

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

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      • Motor burnout

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        Building Cover

        Motor burnout

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units).
        • Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.
        What’s not covered
        Buildings and/or Contents
        • You won’t be covered for:
          • any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working,
          • any hire costs associated with a replacement appliance,
          • the cost of repair or replacement of rectifiers and transformers,
          • motors under any warranty or manufacturers’ guarantee,
          • motors more than 10 years old,
          • electric motors in any tools of trade.

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

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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. Unless stated otherwise, 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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        Building Cover

        Alternative accommodation for you and your pets

        If your home building is damaged by an insured event during the period of insurance to such an extent that you can’t live in it, we’ll pay the rental costs for accommodation for you and your pets for the period it reasonably takes, to repair or rebuild your home building. This is an extra amount, paid in additional to your Buildings sum insured. No excess applies to this benefit.

        If we have paid any additional alternative accommodation under the contents section of your policy we will not pay for any additional alternative accommodation costs under the Buildings section.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when:
          • you were living in the buildings when the insured event took place, and
          • the loss or damage means your home buildings are unable to be lived in.
        How much we will pay
        • We will pay:
          • the weekly rent equivalent to your building’s rentable value prior to the damage, up to 10% of your Buildings sum insured in total, and
          • up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
        What’s covered?
        • For a time necessary, up to a maximum of 12 months.

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

        Did you know?

        We will consider your home is 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.

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      • Making your buildings environmentally friendly

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        Building Cover

        Making your buildings environmentally friendly

        If your buildings are totally destroyed and need to be rebuilt and you do not already have the relevant environmental equipment, we’ll help you make the new buildings more environmentally friendly.

        This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when:
          • your buildings are totally destroyed by an insured event, and
          • we have approved these costs before they are incurred.
        How much we will pay
        • We will pay up to $5,000 after deduction of any government or council rebates.
        What’s covered?
        • The environmental systems covered by this benefit are:
          • rainwater tanks,
          • solar power systems (including solar hot water systems or photo-voltaic (PV) power systems),
          • hot water heat exchange systems, and
          • grey water recycling systems.

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

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      • Debris removal

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        Building Cover

        Debris removal

        We’ll pay the reasonable and necessary costs of demolition and removing debris from your insured address. This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.
        How much we will pay
        • We will pay up to 10% of the Buildings sum insured.
        What’s covered?
        • Costs that relate directly to removing debris from the destroyed or damaged part of the buildings.
        • We will not pay for the cost of cleaning mud or debris out of tanks, swimming pools or spas after a storm, cyclone, rainwater or run-off or flood.

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

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      • Building modifications

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        Building Cover

        Building modifications

        If you become permanently paraplegic or quadriplegic as a direct result of an insured event that damaged or destroyed your home buildings, we’ll pay for the cost to modify your buildings.

        This amount is included in your Buildings sum insured. No excess applies to this benefit.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when:
          • you were living in the building when the insured event took place, and
          • we receive confirmation of your paraplegia or quadriplegia from a registered medical practitioner.
        How much we will pay
        • We will pay up to $10,000.
        What’s covered?
        • Modifications to make your home building accessible for your disability.

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

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      • Rebuilding and professional fees

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        Building Cover

        Rebuilding and professional fees

        If you need to rebuild your home buildings after total loss or damage, we’ll help pay the costs of architects, engineers, surveyors and solicitors.

        This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.
        How much we will pay
        • We will pay up to $5,000.
        What’s covered?
        • The reasonable and necessary costs of architects’, engineers’, surveyors’ and solicitors’ fees.
        • The costs must relate directly to the rebuilding of destroyed or damaged buildings.

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

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      • Building code compliance costs

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        Building Cover

        Building code compliance costs

        If you need to rebuild your home buildings after loss or damage, we’ll help pay the costs of complying with any statutory requirements.

        This is an extra amount, paid in addition to your Buildings sum insured. No excess applies to this benefit.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        When we pay How much we will pay What’s covered?
        • We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.
        How much we will pay
        • We will pay up to $5,000.
        What’s covered?
        • The reasonable and necessary costs of meeting the requirements of any statutory authority that relate directly to the destroyed or damaged part of the buildings.
        • We will not pay for the costs of complying with the requirements of any statutory authority if you received notice of the requirements or were aware of them before the loss or damage occurred.

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

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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 as a Listed Portable content 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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        Content Cover

        Accidental damage cover

        Available with both Buildings and Contents cover.

        The Accidental damage cover option helps cover you in the event of accidental and unexpected mishaps that are caused unintentionally – giving you greater coverage for your home buildings and/or contents.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or Contents
        • If you’ve insured your buildings, we’ll cover accidental damage or loss.
        • If you’ve insured your contents, we’ll cover accidental damage or loss to any content items:
          • at the insured address, and
          • anywhere in Australia for up to 90 continuous days in any one period of insurance.
        • General Contents with set limits will continue to apply.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage which is specifically excluded by any of the insured events set out in the PDS.
        • Loss or damage caused by, or arising from:
          • domestic animals or pets owned by you or for which you are legally responsible for,
          • tree roots,
          • settling, shrinkage or expansion in buildings, foundations, pavements or walls,
          • removal or weakening, of, or interference with, support to land or buildings for the purpose of construction, alterations, extensions, renovations or repairs,
          • incorrect siting of buildings,
          • demolition of buildings ordered by any legal authority caused by failure to obtain any necessary permits.
        • Also see General Exclusions in the PDS

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

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      • Portable Contents

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        Content Cover

        Portable Contents

        Available with Contents cover only or both Buildings and Contents cover.

        Portable contents are items designed to leave your insured address with you (such as a handbag, wallet, suitcase or musical instrument) or on you (such as spectacles, sunglasses, jewellery or clothing).

        If you choose this option, we’ll cover you for loss or damage to your portable contents caused by theft or an accident at the insured address and anywhere in the world. Cover outside of Australia is limited to 120 continuous days in any period of insurance.

        Choose from two types of portable contents cover (or choose both). Select the option below to see what’s covered (or not covered).

        Unlisted Portable contents

        Choose from the available limits of cover per item and with a combined total sum insured for all items per claim for unlisted portable contents, without having to individually list these items.

        Unlisted Portable contents limits

        You can select from one of the three limit options below for your unlisted portable content items

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        • Up to $500 per item / up to $2000 per claim
        • Up to $750 per item / up to $5000 per claim
        • Up to $1000 per item / up to $7500 per claim
        • Up to $1500 per item / up to $7500 per claim
        • Up to $2000 per item / up to $7500 per claim

        What’s covered What’s not covered
        Unlisted portable contents
        • Suitcases and bags, handbags, briefcases, wallets and purses, (but not their contents, unless they’re listed below).
        • Clothing and shoes.
        • Jewellery and watches (except smart watches).
        • Cosmetics and toiletries.
        • Bicycles (but not when being used for racing, pace making, or in competition).
        • eScooters with a maximum speed of 25km/h (but not when being used for racing, pace making, or in competition).
        • eBikes with a maximum speed of 25km/h (but not when being used for racing, pace making, or in competition).
        • Sporting and fishing equipment (but not while being used).
        • Musical instruments.
        • Cameras and photographic equipment and their accessories.
        • Binoculars or telescopes.
        • Spectacles and sunglasses.
        What’s not covered
        Unlisted portable contents
        • All excluded general contents – see the PDS for details.
        • Firearms.
        • Laptops, tablets, mobile phones, smart watches and other wearable technology (see Listed Portable Contents for cover).
        • Any item used for business, or to earn an income.
        • Any other item not specifically mentioned in the ‘What’s covered’ list.
        • Any item that is or must be listed as a listed portable content item.

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

        Listed portable contents

        You can ask us to cover specific portable contents separately for their full value. In all cases, you must specifically list each of the following items on your policy, along with its full replacement value.

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Listed portable contents
        • Any items in the Unlisted Portable Contents list which you’d like to cover for more than the per item limit offered.
        • Laptops, tablets, mobile phones, portable computers and their accessories.
        • Smart watches and other wearable technology.
        • Handheld game consoles and their accessories.
        • Portable GPS devices and their accessories.
        • External medical aids and devices including wheelchairs and mobility scooters.
        What’s not covered
        Listed portable contents
        • All excluded general contents – see the PDS for details.
        • Any items used for business, or to earn an income.
        • Any other item not specifically mentioned in the ‘What’s covered’ list.
        • Cracked glass or screens where there is no other damage.

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

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    What insured events you are covered for

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

      • Fire or smoke (including bushfires and grassfires)

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        Content Cover

        Fire or smoke (including bushfires and grassfires)

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by:
          • fire,
          • bushfires and grassfires, or
          • smoke.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage:
          • which arises gradually out of repeated exposure to fire or smoke,
          • of an item that is designed to be exposed to heat, being exposed to heat during normal use – for example if a heat resistant item like a cooking appliance or fireplace is damaged during normal use, or
          • to any property as a result of scorching and/or melting – for example cigarette burns. This exclusion does not apply if you’ve selected optional cover for Accidental Damage.

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

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      • Storm, storm surge2, cyclone2, or rainwater

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        Content Cover

        Storm, storm surge2, cyclone2, or rainwater

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by:
          • storm,
          • storm surge*,
          • cyclone*,
          • rainwater, but this doesn't include run-off
        • *A 72-hour exclusion period applies for loss or damage caused by storm surge or cyclone.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • cyclone*,
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of a storm or storm surge.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage caused by:
          • hydrostatic pressure,
          • rainwater, hail, wind, or water that enters your buildings:
            • through an open door, window, or other opening (this exclusion doesn't apply to openings made by the storm or cyclone, or, if you've selected the optional cover Accidental damage and it's shown on your policy schedule),
            • through an opening made for the purpose of construction, alterations, additions, demolition, repairs, or decorations,
            • due to gradual deterioration, wear and tear, and where you could reasonably be expected to have been aware of the deterioration or wear and tear,
            • due to faulty design or materials, structural defects or poor workmanship that you could reasonably be expected to have been aware of,
            • due to lack of maintenance or poor housekeeping.
        • Loss or damage to:
          • trees, shrubs, hedges, and plants planted in the ground,
          • gates, pathways, driveways, fences, freestanding walls, or retaining walls,
          • swimming pool and spa covers, their liners or solar domes,
          • the external paintwork or other exterior coatings of the buildings caused by rainwater.
        • The cost of cleaning mud or debris out of tanks, swimming pools, or spas.

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

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      • Water or other liquid damage

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        Content Cover

        Water or other liquid damage

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or Contents
        • Loss or damage resulting directly from bursting, leaking, discharging or overflowing of any:
          • domestic home appliances – for example a dishwasher or washing machine,
          • fixed rainwater or hot water tanks,
          • radiators and oil heaters,
          • fixed pipes, gutters or drainpipes, sinks, baths, basins, or water carrying apparatus, waterbeds,
          • aquariums designed to hold more than 20L
          • swimming pools or spas.
        What’s not covered
        Buildings and/or Contents
        • Loss or damage:
          • as a result of gradual escape of water or other liquid over time:
            • where you or a reasonable person could be reasonably expected to have been aware of this, such as, but not limited to, where there is visible damage and/or changes to the property e.g. staining on ceilings and/or walls, evidence of mould/mildew, deterioration of tile grouting or adhesive, or
            • from a shower base, shower recess, shower alcove or the walls surrounding the shower,
            • as a result of sinks, baths, or basins overflowing due to:
              • a tap being left running and,
              • the plug being left in the drain.

                unless you’ve selected the optional cover Accidental damage and it's shown on your policy schedule.
            • caused by rust, corrosion, algae, mould or mildew.
          • The cost of repair or replacement of:
            • a defective part or parts that caused the loss or damage, or
            • any broken main or pipe.

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

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      • Theft or burglary

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        Content Cover

        Theft or burglary

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Contents
        • Loss or damage caused by actual or attempted or burglary.
        • Up to $500 towards the cost of a security firm callout to your home in response to a monitored alarm signal if we have agreed to pay a related claim for theft or burglary of your contents.
        • Up to $1,000 to replace the locks or cylinders of any external door or window if the key is stolen.
        • No excess applies for the replacement of locks or cylinders. We will only pay for the replacement of locks or cylinders under one section of the policy (either Buildings or Contents, not both).
        What’s not covered
        Contents
        • Where the actual or attempted theft or burglary is committed by:
          • you or anyone who lives at the insured address (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat),
          • any person you (or anyone who lives at the insured address) invite into your home,
          • any person who is acting with your express or implied consent, or
          • any person who you employ at your home such as a cleaner, nanny, child-minder or gardener.
        • The replacement of locks or cylinders which are insured by the body corporate or similar.
        • Loss or damage to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not. However this exclusion does not apply to contents in a locked storage cage in the basement of a strata title development at the insured address.

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      • Explosion

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        Content Cover

        Explosion

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss or damage caused by explosion.
        • Loss or damage caused by or arising from:
          • soil movement, including erosion,
          • landslide,
          • mudslide, or
          • subsidence,
        • if it is caused directly by and occurs within 72 hours of an explosion.
        What’s not covered
        Buildings and/or contents
        • Loss or damage caused by terrorism.

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      • Accidental breakage of glass or ceramic items

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        Content Cover

        Accidental breakage of glass or ceramic items

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Contents
        • Accidental breakage of glass that forms part of the contents (including fixed or unfixed table tops and hanging wall mirrors).
        • If you are a tenant in a rental property, we will also pay for accidental breakage of a fixed glass or ceramic item, like a window, cooking surface, sink or toilet if you are legally liable as a tenant to pay for the breakage.
        What’s not covered
        Contents
        • Glass in televisions, unless you've selected the optional cover Accidental damage and it's shown on your policy schedule.
        • Glass in computer monitors, laptops, mobile phones, smart watches, and tablets, unless:
          • you’ve selected the optional cover Accidental damage and it's shown on your policy schedule
          • there's also other damage to the item caused by the same event.
        • Glass in items such as crockery, porcelain, china, hand mirrors, glassware, crystal or glass in clocks, vases and ornaments.
        • Cracks, scratches or chips in any item.

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      • Impact damage

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        Impact damage

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss of damage caused by impact from:
          • any motor vehicle, train or watercraft,
          • an external aerial or satellite dish which collapses or breaks,
          • an aircraft, or anything dropped or falling from an aircraft,
          • space debris or debris from a rocket or satellite,
          • any animal, excluding any animal kept in your home buildings as a domestic pet, or
          • falling trees or parts of trees.
        What’s not covered
        Buildings and/or contents
        • Loss or damage caused by you or anyone you give consent to, cutting or chopping trees, or parts of trees, at the insured address.
        • The cost of removing trees or branches if no damage has occurred to your buildings or contents.
        • The cost of removing tree stumps, unless the tree stump is required to be removed to allow for repair or rebuilding of covered loss or damage.

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      • Vandalism or malicious damage

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        Vandalism or malicious damage

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss or damage caused by vandalism or a malicious act.
        What’s not covered
        Buildings and/or contents
        • Where the vandalism or malicious act was by:
          • you or anyone who lives at the insured address with you (this exclusion does not apply to tenants who rent a separate dwelling at the insured address that you do not live in such as a granny flat),
          • any person you (or anyone who lives with you at the insured address) invite into your home,
          • any person you employ to do work for you in your home buildings, like a cleaner, nanny, child-minder or gardener, or
          • anyone acting with your express or implied consent.
        • If the vandalism or malicious act related to contents in the internal or external common areas of flats, home units, town houses or any type of multiple occupancy residences whether part of a strata title development or not.

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      • Lightning

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        Content Cover

        Lightning

        This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

        What’s covered What’s not covered
        Buildings and/or contents
        • Loss of damage caused by lightning.

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        • Earthquake or tsunami

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          Earthquake or tsunami

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          What’s covered What’s not covered
          Buildings and/or contents
          • Loss or damage caused by earthquake or tsunami.
          • Loss or damage caused by or arising from:
            • soil movement, including erosion,
            • landslide,
            • mudslide, or
            • subsidence,
          • if it is caused directly by and occurs within 72 hours of an earthquake or tsunami.
          • An additional excess of $250 on top of any other excess payable under the policy applies to each earthquake and/or tsunami (including a series of earthquakes and/or tsunamis) that occurs during any consecutive 48-hour period.
          What’s not covered
          Buildings and/or contents
          • Loss or damage caused by actions of the sea.

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        • Riot or civil commotion

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          Riot or civil commotion

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          What’s covered What’s not covered
          Buildings and/or contents
          • Loss or damage caused by a riot or civil commotion.
          What’s not covered
          Buildings and/or contents
          • Loss or damage caused by terrorism.

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        • Flood and/or run-off2

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          Flood and/or run-off2

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          What’s covered What’s not covered
          Buildings and/or contents
          • Loss or damage caused by:
            • flood*,
            • flood water*, combined with run-off and rainwater.
          • Loss or damage caused by or arising from:
            • soil movement, including erosion,
            • landslide
            • mudslide, or
            • subsidence,
          • if it is caused directly by and occurs within 72 hours of a flood.
          • *A 72-hour exclusion period applies for loss or damage caused by flood or flood water combined with run-off and rain-water – see the PDS for full details
          What’s not covered
          Buildings and/or contents
          • Loss or damage caused by:
            • actions of the sea or tsunami. But, you may be covered for tsunami under the Earthquake or tsunami insured event – see PDS for full details.
            • soil movement including erosion, landslide, mudslide or subsidence – unless it is directly caused by, and occurs within 72 hours of the flood,
            • shrinkage or expansion of earth or land,
            • hydrostatic pressure.
          • Loss or damage to:
            • gates, pathways, driveways, fences, freestanding walls or retaining walls,
            • swimming pool and spa covers, their liners or their solar domes.
          • The cost of cleaning mud or debris out of tanks, swimming pools or spas.

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        • Motor burnout

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          Motor burnout

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          What’s covered What’s not covered
          Buildings and/or contents
          • Damage caused by an electrical current to a domestic household electrical motor (including sealed or semi-sealed refrigeration units).
          • Damage caused by an electrical current to a surge protector that is installed and in use at the time the damage occurs. You will not be required to pay an excess if the damage is limited to the surge protector only.
          What’s not covered
          Buildings and/or contents
          • You won’t be covered for:
            • any associated repair or replacement costs for items such as fuses, switches, electronic components, printed circuit boards, bearings, lighting or heating elements, protection devices, or electrical contacts at which sparking or arcing occurs in ordinary working,
            • any hire costs associated with a replacement appliance,
            • the cost of repair or replacement of rectifiers and transformers,
            • motors under any warranty or manufacturers’ guarantee,
            • motors more than 10 years old,
            • electric motors in any tools of trade.

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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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          Additional costs of alternative accommodation for you and your pets

          If your contents are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, we pay a benefit to help you pay for alternative accommodation.

          This is an extra amount, paid in addition to your Contents sum insured. No excess applies to this benefit.

          If we have paid for alternative accommodation under the Buildings section of your policy we will not pay any additional alternative accommodation costs under the contents section.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          When we pay How much we will pay What’s covered?
          • We will pay this benefit when:
            • your contents are damaged by an insured event and your home buildings are unable to be lived in, and
            • you were living in the buildings when the insured event took place.
          How much we will pay
          • We will pay:
            • the additional cost you have to pay for temporary accommodation, based on your building’s rentable value prior to the damage, up to 10% of your Contents sum insured in total; and
            • up to $500 for temporary accommodation for your pets in a commercial boarding establishment.
          What’s covered?
          • For a time we agree is reasonably necessary to repair or replace your contents, up to a maximum of 12 months.

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

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          Content Cover

          Moving house – Contents cover at your old and new address

          If you are moving house, we’ll cover your contents for loss or damage caused by an insured event both at your new and old address for up to 14 days after you first start to move. To be covered:

          • you must be permanently moving to a new address in the Northern Territory,
          • you need to let us know as soon as reasonably possible when starting to move, and tell us your new address. You won’t be covered if you don’t notify us of the permanent removal of your contents and provide details of the new address as soon as reasonably possible after moving to your new address.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

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        • Debris removal

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          Content Cover

          Debris removal

          We’ll pay the reasonable costs of removing debris from your home building if your contents are damaged or destroyed by an insured event.

          This is an extra amount, paid on top of your Contents sum insured. No excess applies to this benefit.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          When we pay How much we will pay What’s covered?
          • We will pay this benefit when we have approved these costs before they are incurred. Please contact us to confirm approval.
          How much we will pay
          • We will pay up to 10% of the Contents sum insured.
          What’s covered?
          • The cost of removing debris that is a direct result of the insured event

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        • Food or medicine spoilage

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          Content Cover

          Food or medicine spoilage

          If your fridge or freezer breaks down and you lose your perishable food or medicine as a result, we’ll pay for you to replace it up to a maximum of $1,000. A claim may be made under this additional benefit whether or not you have made a claim for loss or damage to your contents caused by an insured event. If you make a claim for this benefit, your standard excess will apply except in the circumstances provided below. However, if the spoilage is due to a natural disaster (as declared by us, the government or the Insurance Council of Australia), then the maximum we’ll pay is $500. In this case, no excess applies and your No Claim Bonus will not be affected if your loss is limited to food or medicine spoilage only.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          What’s covered What’s not covered
          • Spoilage of perishable food or medicine in a domestic refrigerator, freezer or deep freeze unit caused by:
            • an insured event,
            • breakdown or failure of the unit or any of its components,
            • escape of refrigerant or fumes, or
            • accidental failure of the public electricity supply to the buildings occurring during the period of insurance.
          What’s not covered
          • Spoilage of perishable food or medicine caused by:
            • industrial action,
            • a deliberate act of a power supply authority,
            • accidental or deliberate disconnection or switching off of the electricity supply by you,
            • the breakdown or failure of any motor more than 10 years old, or
            • accidental damage to the motor.

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        • Emergency contents storage

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          Emergency contents storage

          If your home building is unable to be lived in due to an insured event, we’ll pay to move and store your contents.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          When we pay How much we will pay What’s covered?
          • We will pay this benefit when the home building you live in is damaged by an insured event and is unable to be lived in.
          How much we will pay
          • We will reimburse the reasonable costs to move and store your undamaged contents while the building is repaired or rebuilt or you find alternative accommodation. The maximum we will pay is the balance of your Contents sum insured, after we have paid any claim for damage to your contents.
          What’s covered?
          • The time necessary to repair or rebuild your home building, or until you find alternative accommodation, up to a maximum of 12 months.

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        • Vet costs

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          Vet costs

          If you have insured your contents and your cat or dog is injured in a road accident during the period of insurance, we will pay up to $500 in any one period of insurance for related veterinary expenses. A claim may be made under this additional benefit whether or not you have made a claim for loss or damage to your contents caused by an insured event.

          No excess applies to this benefit.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

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        • Guest, visitor and domestic helper property

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          Guest, visitor and domestic helper property

          We also provide cover for property belonging to your guests, visitors and domestic helpers, if it is lost or damaged as a result of an insured event that you are claiming for.

          This amount is included in your sum insured. No excess applies to this benefit.

          This is a summary only. For full details of the standard conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement, Key Facts Sheet and any supplementary PDS (where applicable).

          When we pay How much we'll pay What’s covered?
          • We will pay this benefit when:
            • property belonging to your guests, visitors or domestic helpers is lost or damaged by the same insured event, and
            • your guests or visitors aren't providing you with money for accommodation, and
            • the property was in your home building at the time, and
            • we would have paid a claim, had the property belonged to you.
          How much we'll pay
          • We will pay up to $5,000.
          What’s covered?
          • The cost to repair or replace your guests’, visitors’ or domestic helpers’ property, up to the maximum amount. We won’t pay for property that is:
            • covered by another insurance policy,
            • money, cheques or other negotiable instruments, or
            • excluded under this policy.

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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

      The cost of your insurance is called a ‘premium’. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

      There are a number of factors that determine how your TIO Territory Home and Contents Insurance premium is calculated, including:

      • Your risk profile. We work this out using a number of factors, such as but not limited to:
        • Where you live
        • The type of property you’re insuring
        • The amount and type of cover you need
        • Any other people also insured under the policy
        • The relevant claims history of the people being insured
        • The likelihood of a claim being made on your policy
      • Any discounts that may apply
      • Any compulsory government charges such as Stamp Duty and GST
      • Fire Services Levy if they apply to the State or Territory where your home is located
      • Any other charges we tell you of
      • The excess you choose5

      To find out the cost of insuring your building and/or contents through TIO, get a quick quote today!

      With TIO there are a number of ways you may save on your Home and/or Contents Insurance premium:

      • Combine your Building and Contents cover on the one Home Insurance policy and save up to 10%.1,4 (Compared to purchasing each cover as a standalone cover).
      • Pay your premium annually rather than monthly to save paying a monthly service fee.
      • Increase your excess: our policies come with flexible excess levels, giving you the option to increase your excess, within a given range, which could reduce your premium.5

      You should tell us as soon as reasonably possible if, during the period of insurance, your building is in the course of construction or there are any alterations, additions, demolition, repairs to, or decorations of the building costing more than $75,000. If you don’t, we may refuse or reduce a claim under the policy to the extent we are prejudiced by the delay or the non-disclosure.

      When we receive this information, we may:

      • Propose changes to the terms and conditions of your policy
      • Propose to charge you a higher premium
      • Cancel your policy (if there’s a change and we can’t reach an agreement with you on altered terms and conditions or premium; or we’re no longer prepared to insure you because there’s been a material change to the risk).
      • Decide not to offer to renew your policy

      Note: It’s also important that you consider increasing your sum insured to take into account any extensions or renovations to make sure you’re adequately covered in the event of a Home Insurance claim.

      Home insurance covers you against financial losses associated with the damage or loss of the property you own. Home insurance isn’t a legal requirement; however, if you have a mortgage on your property, most banks and mortgage lenders require you to purchase Home buildings insurance as security to safeguard themselves against financial risk caused by unexpected damage or loss to your property.

      Lenders may require you to list them as an interested party when buying insurance and may also request proof of insurance (Certificate of Currency) before the loan is finalised or for each year your mortgage is held with them.

      To request a Certificate of Currency for your existing TIO Territory Home Insurance policy, call us on 131 846.

      This cover option allows you to insure items which you wear or carry with you outside your home (such as a handbag, wallet, sunglasses, jewellery, or a musical instrument). You can choose from two types of Portable Contents cover – unlisted or listed – or you can choose both.

      Unlisted Portable Contents

      This option allows you to select a per item limit and per claim limit, e.g. up to $2,000 per item and $7,500 per claim. This means you don’t have to specifically list your portable item. However, this option doesn’t cover items such as laptops, tablets, mobile phones, and other wearable technology which need to be covered under Listed Portable Contents.

      Listed Portable Contents

      This option allows you to cover specifically listed portable items for their full replacement value (less any contributable excess at time of claim). Laptops, tablets, mobile phones, and other wearable technology can be listed under your policy and covered as listed portable items.

      This option covers you in the event of accidental unexpected mishaps that are caused unintentionally, for example if you’re moving furniture around the house and damage your wall (if you have Buildings cover) or if you’ve spilt a drink which causes damage to your carpet (if you have Contents cover).

      Here are some examples of the sort of mishaps you'll be covered for if you take out optional Accidental Damage cover*:

      If you have Building cover and:

      • You accidentally smash a hole in the wall when you move some furniture
      • Your kids draw all over your walls

      If you have Contents cover and:

      • You spill red wine on the new white carpet or lounge

      We’ll extend cover for your contents anywhere in Australia for up to 90 continuous days in one period of insurance.

      This cover option does not provide cover for some instances such as loss or damage caused by, or arising from domestic animals or pets for which you are legally responsible, tree roots or the incorrect siting of buildings. For full details of the standard terms, conditions and exclusions, refer to the relevant section in the PDS and any supplementary PDS (where applicable).

      If you take both Building and Contents insurance, here’s how these covers can work together if you suffer an insured loss:

      • Your house burns down. You could lose your building, and everything in it. With adequate sums insured under Building and Contents covers, you could rebuild and replace your insured belongings.
      • A fire damages your kitchen. You could repair or rebuild built-in damaged parts of your kitchen, such as benchtops, with Home Building insurance. Then you could replace damaged items like blinds and kitchenware under your Contents insurance policy.
      • A thief smashes your window, breaks the locks and steals your belongings. You can fix the window and locks through your Building insurance and replace the items that were stolen under your Contents insurance.

      Plus, you’ll only have to pay one excess if your building and contents are damaged by the same insured event and you’ve combined them on one policy.

      .

      Curtains and carpets are covered by Contents Insurance. Contents items aren’t permanently attached to the building. Curtains and carpets are classified as contents as they can be removed. If you have Buildings Insurance you need to also take out Contents cover to ensure these items are covered.

      Our TIO Territory Home Insurance covers cyclones, flood, and storm surge, except during the 72-hour exclusion period that may apply for any loss of or damage to your property caused by these events, during the first 72 hours after you first take out or increase the cover under the policy. For full details of conditions and exclusions, refer to the relevant PDS.

      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.

      *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 the optional covers (if selected): Accidental damage and Disaster cover. The combined discount doesn't apply to any flood component of the premium or to the optional cover Portable contents (if available and selected). Minimum premiums may apply.

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

      We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, or storm surge during the first 72 hours after you first take out or increase the cover under an existing policy. Refer to PDS for when exclusion periods apply.

      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).

      4. Minimum premiums may apply

      Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’ re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.

      Discounts won’t apply below the minimum amount payable for the policy.

      5. Option to change your excess

      Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable Contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium, or to the optional cover Portable Contents (if selected). Minimum premiums may apply.

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