Tips to help you
Tips to save you money
- Combining home and contents cover within the one policy is generally cheaper than buying separate home and contents policies
- By placing additional insurance products such as home and motor with the same insurance provider, many offer discounts (including Resilium)
- If you choose a higher excess, it may result in a premium reduction. Ask for more details.
Tips to ensuring the right cover for you
- Our policy offers 'new for old' replacement. Therefore, you need to consider what the replacement costs of your contents are, not just what you think they're worth now.
- You might need to specify your jewellery if you have over $4,000 in total, or any piece is valued over $1,000.
- You also might need to specify your CDs, DVD, record or computer software collection if they exceed more than $5,000 in value.
- We recommend for all your contents, you take copies of your receipts, valuations and photos of items (just in case you ever need to make a claim). You might like to keep a spare copy of the list with friends, family or in a fireproof container or area.
- When repairing or replacing damaged parts of your home, you will be paid the extra cost of making these parts comply with any changes to building laws or regulations that came into effect after your home was originally built or altered. When arranging or renewing your insurance, it's a good idea to check with your local council to review the relevant building laws and make sure your sum insured covers such costs which may arise if you need to rebuild or replace.
- If you own a strata title property and renovate your unit, such as the kitchen or bathroom (or have bought a renovated unit), you may need to include items such as new flooring or benchtops under your contents insurance. You should check with the body corporate to find out your level of cover.
Did you know
- If you are planning a holiday or will be leaving your home unoccupied for more than 60 consecutive days, you need to speak with us to look at what cover can be put in place.
- If you have domestic employees working from your home, did you know that Domestic Workers Compensation cover is available (cover only in Tasmania, ACT & WA).
- Did you know that if you're moving to a new address, you are covered for your contents while they are being moved for loss or damage caused by fire or collision or overturning of the vehicle carrying them. However, after 14 days at the new address, your contents cover will expire, unless you tell us and we agree to cover your contents at the new address.
Home security tips
Having security in your Home can act as a precautionary measure to protect you against burglary and theft. Installing a minimum level of security can make all the difference to help prevent an intruder coming into your Home when unattended, such as:
- key-operated two-cylinder deadlocks fitted to all external hinged doors and/or
- key-operated lock or patio bolts fitted to all external sliding doors
PLUS one of the following:
- key-operated single cylinder window locks fitted to all accessible windows
- security grills or security screens fitted to all accessible windows
- local type burglar alarm system installed in the home
In addition to these measures, here are some easy steps to assist in making your home safer.
- Always lock all outside doors and windows when you go out, even if you are only going to be away for 10 minutes.
- Lock your external garage or garden shed with a quality key-operated lock or padlock.
- If you go out at night, leave some internal lights and a radio on.
- Trim trees and shrubs around windows.
- Do not leave keys hidden outside your house.
- If you are in the garden or watching TV, lock up parts of the house you can't keep an eye on.
- Lock away ladders, garden tools and bicycles.
- If you have a lot of jewellery, valuable documents, cash or other negotiable items, consider installing a safe or a burglar alarm.
- Never leave notes for people telling them you are out and when you will be back.
The most common entry points for a burglary are the garage, followed by the bedroom
- garage doors and windows are closed when you are in another part of the house and secured and locked when you are out.
- windows and sliding doors in bedrooms and the kitchen are closed and properly secured when you are away from home.
Tips for storing your information safely
- If you ever need to make a claim, you will need to provide evidence of value and ownership of lost, stolen or damaged goods or property. This is especially the case for articles such as jewellery, artworks, hand-woven rugs and collections, as well as recently purchase items such as stereos, TVs, cameras, computers, listed contents or specified effects.
- There are several ways you could store this information, including storing proofs and valuations in a fireproof area or container.
Resilium Home and Contents insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read the relevant Product Disclosure Statement before you make any decisions regarding the product. Contact us for a copy. This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider, with the assistance of your Resilium Adviser, whether it is appropriate in light of your particular objectives, financial situation and needs.