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Home Buildings & Contents Combined Insurance NSW, ACT & TAS

NRMA Home Buildings and Contents Combined Insurance offers a single policy for your home and contents. This means households in NSW, ACT and TAS can benefit from the convenience of one policy with one premium.

What’s more, our highest level of cover, Home Plus Insurance, provides all the protection of our Home Buildings and Contents Combined Insurance, plus a safety net of up to 25% on top of the buildings or general contents sum insured, automatic cover for accidental damage and burn out of electric motors (fusion).
Plus with our Home Buildings and Contents Combined Insurance you’re covered for theft or damage, even if there are no signs of forced entry.^

Calculate the current value of your home buildings & contents
 

Calculate the current value of your home buildings and contents with our easy to understand calculators.

Home Building Value Calculator

Home Contents Value Calculator

 

Additional Content: 

Why choose NRMA Insurance?

  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  •  Lifetime guarantee on the workmanship of authorised repairs
  •  Flexible excess levels to help reduce your premium
  •  Fast, paperless claims and 24/7 Helpline
  •  Experience – we’ve been insuring Australians for over 85 years

^You must take reasonable care to secure your home and contents. Cover is subject to standard underwriting guidelines and policy terms.

I want the highest level of cover

NRMA Home Plus Insurance is our highest level of cover for your home. It provides all the features and benefits of our standard Home Buildings and Home Contents Insurance, with additional cover to give you peace of mind.

Home Plus offers the following cover:

  •  Up to 25% safety net on top of the buildings sum insured for extra costs to rebuild your home if you need it
  •  Up to 25% safety net on top of the general contents sum insured for extra costs to replace your contents if you need it
  •  Automatic cover for accidental damage and burn out of electric motors (fusion)
  •  Plants, trees and shrubs up to 2,000
  •  Portable Contents option to cover items like jewellery, watches and laptops outside your home
  •  Identity theft up to $5,000
  •  Credit card theft up to $5,000
  •  Temporary accommodation for up to 2 years

What level of cover do I get for my money?

For full cover details please read the Home Insurance Policy Booklet.

What are you covered for?
  Storm   Flood ^
  •   Water and oil leaks
  Lightning   Fire   Earthquake
  Animal damage   Liability cover   Broken glass
  •   Riots or civil commotion
  •   Theft or attempted theft
  •   Vandalism or a malicious act
  Impact damage   Explosion

 

^ Damage caused by the sea is not covered (except tsunamis).

Optional covers Standard Combined Combined Home Plus
Accidental damage - mishaps around your home Optional  
Burn out of electric motors (fusion) Optional  
Pet lover's pack Optional Optional
Valuable Contents Optional Optional
Portable Contents Optional Optional

 

Other covers Standard Combined Combined Home Plus
Safety net - Buildings   Up to 25% of the General Contents sum insured*
Safety net - Contents   Up to 25% of the Buildings sum insured*
Identity theft   Up to $5,000
Plants, trees and shrubs   Up to $2,000
Accidental damage while taking your contents to your new home   Up to $5,000
Buying a new home    
Fire, theft or collision while taking your contents to your new home    
Moving into your new home**    
Food spoilage Up to $500 Up to $2,000
Fixtures for owners and landlords – strata scheme    
Temporary accommodation for home owners Up to 12 months Up to 24 months
Temporary accommodation for tenants or strata scheme owners Up to 12 months Up to 24 months
Loss of rent for landlords    
Building materials Up to $1,000 Up to $5,000
Demolishing and removing debris    
Locating the cause of damage    
Rebuilding fees    
Meeting building regulations    
Mortgagee discharge costs    
Keys and locks      
Credit card theft Up to $1,000 Up to $5,000
Visitors' belongings Up to $500 Up to $2,000
Funeral expenses Up to $10,000 Up to $10,000

* Safety net applies to the extra costs to rebuild your home or replace your general contents above the sum insured, if required.
** You must provide us with your new home details within 14 days from when you start moving.

 Want the highest level of cover for your home and contents?
Choose Home Plus Insurance

 

Home Combined discounts and Savings

  Loyalty discount - save up to 25% on your premium as a loyal NRMA Insurance customer 

  No Claim Bonus - receive up to 25% No Claim Bonus if you have a good claims history 

  Flexible excess levels - choose a higher excess for your policy and benefit from a lower premium. 

Find out more about Loyalty Discount

Home Buildings & Contents Insurance QLD

It makes sense to have just one policy for your home and contents cover. That’s what you get with Home Buildings and Contents Combined Insurance from NRMA Insurance QLD – one policy and one premium. Simple.

Additionally, we also offer Home Plus Insurance – our top level of cover. It gives you extra cover on top of your standard Home Buildings and Contents Combined Insurance for things like accidental damage, burn out of electric motors (fusion), and a safety net of up to 25% on top of the buildings or general contents sum insured. The safety net applies to the extra costs to rebuild your home or replace your general contents above the sum insured, if it's required.

Calculate the current value of your home buildings & contents
 

Calculate the current value of your home buildings and contents with our easy to understand calculators.

Home Building Value Calculator

Home Contents Value Calculator

 

Additional Content: 

Why choose NRMA Insurance?

  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  •  Lifetime guarantee on the workmanship of authorised repairs
  •  Flexible excess levels to help reduce your premium
  •  Fast, paperless claims and 24/7 Helpline
  •  Experience – we’ve been insuring Australians for over 85 years

I want the highest level of cover

NRMA Home Plus Insurance is our highest level of cover for your home. It provides all the features and benefits of our standard Home Buildings and Home Contents Insurance, with additional cover to give you peace of mind.

Home Plus offers the following cover:

  •  Up to 25% safety net on top of the buildings sum insured for extra costs to rebuild your home if you need it
  •  Up to 25% safety net on top of the general contents sum insured for extra costs to replace your contents if you need it
  •  Automatic cover for accidental damage and burn out of electric motors (fusion)
  •  Plants, trees and shrubs up to $2,000
  •  Portable Contents option to cover items like jewellery, watches and laptops outside your home
  •  Identity theft up to $5,000
  •  Credit card theft up to $5,000
  •  Temporary accommodation for up to 2 years

What level of cover do I get for my money?

For full cover details please read the Home Insurance Policy Booklet.

What are you covered for?
  Storm   Flood * ^
  •   Water and oil leaks
  Lightning   Fire   Earthquake
  Animal damage   Liability cover   Broken glass
  •   Riots or civil commotion
  •   Theft or attempted theft
  •   Vandalism or a malicious act
  Impact damage   Explosion

 

* Flood cover is included as standard with NRMA home insurance products which commenced on or after 9th January 2012.
^ Damage caused by the sea is not covered (except tsunamis).

Optional covers Standard Combined Combined Home Plus
Accidental damage - mishaps around your home Optional  
Burn out of electric motors (fusion) Optional  
Pet lover's pack Optional Optional
Valuable Contents Optional Optional
Portable Contents Optional Optional
Other covers Standard Combined Combined Home Plus
Safety net - Buildings   Up to 25% of the General Contents sum insured **
Safety net - Contents   Up to 25% of the Buildings sum insured **
Identity theft   Up to $5,000
Plants, trees and shrubs up to $2,000   Up to $2,000
Accidental damage while taking your contents to your new home   Up to $5,000
Buying a new home    
Fire, theft or collision while taking your contents to your new home    
Moving into your new home ***    
Food spoilage Up to $500 Up to $2,000
Fixtures for owners and landlords – strata scheme    
Temporary accommodation for home owners Up to 12 months Up to 24 months
Temporary accommodation for tenants or strata scheme owners Up to 12 months Up to 24 months
Loss of rent for landlords    
Building materials Up to $1,000 Up to $5,000
Demolishing and removing debris    
Locating the cause of damage    
Rebuilding fees    
Meeting building regulations    
Mortgagee discharge costs    
Keys and locks      
Credit card theft Up to $1,000 Up to $5,000
Visitors' belongings Up to $500 Up to $2,000
Funeral expenses Up to $10,000 Up to $10,000

** Safety net applies to the extra costs to rebuild your home or replace your general contents above the sum insured, if required.
*** You must provide us with your new home details within 14 days from when you start moving.

 

 Want the highest level of cover for your home and contents?
Choose Home Plus Insurance

Home Combined discounts and Savings

  Loyalty discount - save up to 25% on your premium as a loyal NRMA Insurance customer 

  No Claim Bonus - receive up to 25% No Claim Bonus if you have a good claims history 

  Flexible excess levels - choose a higher excess for your policy and benefit from a lower premium. 

Find out more about Loyalty Discount


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