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Home Buildings & Contents Combined Insurance
Which state will the home be insured in?
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).
Additional Content:
- What cover do I get for my money?
- I want the highest level of cover
- Why choose NRMA Insurance?
- Home value calculators
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 ^ |
|
| Lightning | Fire | Earthquake |
| Animal damage | Liability cover | Broken glass |
|
|
|
| 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
Choose Home Plus Insurance
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
Why choose NRMA Insurance?
- More savings when you hold multiple qualifying products with NRMA Insurance
- Discounts for loyal customers
- 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
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
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.
Additional Content:
- What cover do I get for my money?
- I want the highest level of cover
- Why choose NRMA Insurance?
- Home value calculators
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 * ^ |
|
| Lightning | Fire | Earthquake |
| Animal damage | Liability cover | Broken glass |
|
|
|
| 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
Choose Home Plus Insurance
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
Why choose NRMA Insurance?
- More savings when you hold multiple qualifying products with NRMA Insurance
- Discounts for loyal customers
- 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
Calculate the current value of your home buildings & contents
Calculate the current value of your home buildings and contents with our easy to use calculators.
Home Buildings value calculator
