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Home Insurance

Whether you're a homeowner, renter or landlord, NRMA Insurance offers you a range of home insurance products that can protect your most valuable assets.

With flexible payment options, combined buildings and contents cover and a 24/7 Helpline, safeguarding your home or investment has never been easier. 
Additional Content: 
  1. Home Insurance products
  2. Discounts and Savings

Home Insurance products

 

Contents Insurance

Benefit from new for old replacement of your household contents and personal belongings with NRMA Contents Insurance.
See Home Contents Insurance

Buildings Insurance

NRMA Buildings Insurance covers your home if it is damaged or destroyed, we repair or rebuild up to the sum insured.
See Home Buildings Insurance

Buildings and Contents Combined Insurance

Combine your Home Buildings and Contents Insurance to enjoy the convenience of one policy with one premium.
See Home Buildings and Contents Combined Insurance

Home Plus Insurance

Enjoy ultimate peace of mind with NRMA Home Plus Insurance – our highest level of cover for your home and contents.
See Home Plus Insurance

Renter’s contents insurance

Cover your furniture, whitegoods, computer equipment, clothing and more from as little as $5 a week with NRMA Renter’s Insurance.
See Renter’s contents insurance

Landlord Insurance

Protect your rental income, plus your investment property and its contents against loss or damage with NRMA Landlord Insurance. 
See Landlord Insurance

Strata Title Insurance (NSW only)

Protect against loss or damage to your strata title building, including common property and contents.
See Strata Title Insurance NSW

 

Discounts and Savings

More ways to save on your home insurance

At NRMA Insurance, we reward loyalty. That’s why if you hold multiple qualifying policies with us or you’ve been a loyal Home Insurance customer for a continuous period of time, we offer you special discounts on your Home Insurance cover.

Plus, you can enjoy further savings by paying your premiums annually, choosing a higher excess or installing a home security alarm.


NRMA Home Insurance discounts

  •  Multi-Policy discount – enjoy a discounted home insurance and landlord insurance premium when you hold multiple qualifying products with NRMA Insurance.
  •  Linked Policy discount – save 8% on each Home Buildings and Home Contents Insurance policy you hold for the same address*.
  •  Loyalty discount – save up to 10% on your home insurance premium as a loyal NRMA Insurance customer.
  •  No Claim Bonus discount – if you have a good claims history, you can save up to 25% on your Home Insurance and Landlord Insurance.


*Linked Policy discount does not apply if you qualify for the Multi-Policy discount. Both policies must be held under the same name.  Linked Policy discount is not applicable to the Landlord Insurance product


NRMA Home Insurance savings

  •  Home@50 – enjoy lower premiums and additional benefits if you are 50 or older, even if you’re still working full-time. See Home@50 Insurance
  •  Flexible excess levels – choose a higher excess for your Home or Landlord Insurance policy and benefit from a lower premium.
  •  Pay annually – reduce your premium when you choose to pay annually rather than monthly.
  •  Home security – save on your Home Contents Insurance when you install a home security alarm.

Discover more about discounts and savings


On existing policies, discounts apply from the date of next renewal. The No Claim Bonus is applied after all other discounts have been applied. For full details on how we apply discounts in calculating your premium, please refer to our Premium, Excess and Discounts Guide.