Why should I insure my home with TIO?With Territory Home Insurance you are covered for unexpected events such as cyclone, storm, flood, and theft result in damage to your most important asset, your home.

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






Select the most appropriate cover for your needs

Premium cover

Premium Cover gives you the peace of mind that your building and/or contents are covered not only against events such as cyclones, floods, fires, burglary and storm surge but also against accidental loss or damage.

Our Premium Cover also offers protection for your contents away from the home, Australia-wide and for up to 90 days elsewhere in the world (some limits apply).

Essential cover

Essential cover offers you protection for your building and/or contents against loss or damage caused by a broad range of insured events:

If you would like your insurance to include cover for Accidental Loss or Damage, then you may consider our Premium Cover.

Upgrade your cover

Disaster 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 and you sustain loss or damage caused by named cyclone (including storm surge), flood or earthquake, we will increase the sum insured on your buildings by 30%, giving you an increased amount to rebuild.

Home Insurance CalculatorsStatistics show that 4 out of 5 homeowners/renters are underinsured.

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

Source Insurance Council of Australia, Understand Home Insurance Research Report, published August 2014

Value my Buildings
Buildings Replacement Cost Calculator

Value my Contents
Home Contents Replacement Cost Calculator

More about Territory Home Insurance

Making a Claim

Learn more about making a claim or start a claim now


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Policy Documents

Download and read the Product Disclosure Statements for Home Insurance.

Learn More

Preparing your home for the Wet Season

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

Learn More

Home Security

Protect your home with our practical home security tips.


Learn More

Frequently Asked Questions

Some content items have standard policy limits (e.g. jewellery, fishing gear, push bikes etc…). In some cases, you can increase the amount we’ll cover these items for. You will need to specify them on your policy, along with their individual replacement values.

Please refer to the relevant Product Disclosure Statement (PDS) for details of items with specified limits of cover.

We will insure the contents for a maximum of three unrelated people. All owners/occupants must be listed as an insured on the policy.
If you are altering the security on your property you should inform us as it may change the conditions of your home insurance at renewal. If you are improving your security, you may be eligible for a discount.
Before commencing renovations, extension or demolition, it’s important you notify us as it may affect the cover under your home insurance policy. You must tell us if the renovation, extension or demolition costs more than $50,000.
Yes, it is important that TIO is informed of any change in use of the premises.

If you have any other questions, please contact 131 846.

Why TIO

Local contact centre and claims team

While it may sound so simple, when things happen, talking with someone who lives and works in the Territory becomes really important.

$13m in claims paid
(Jan – Dec 2016)

Our focus has, and always will be, about getting you and your family back in, and enjoying your home.

Choice of cover

Because we understand Territory conditions and know we all need different things from our insurance.

Next Steps

Policy Documents and Key Fact Sheets

For the standard terms, conditions and exclusions about our home insurance, please refer to the Product Disclosure Statement (PDS). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).