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Home Contents Insurance NSW, ACT & TAS

At NRMA Insurance, we offer three cover options to protect households in NSW, ACT and TAS against loss or damage:

  • Home Contents Insurance provides you with new for old replacement for items, such as whitegoods, furniture, TVs, computer equipment, clothing and more.
  • Home Buildings and Contents Combined Insurance offers a single policy for your home and contents cover.
  • Home Plus Insurance provides all the protection of our Home Contents Insurance, with extra benefits, such as our safety net for additional replacement costs and 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 contents

Calculate the current value of your contents with our easy to use calculator.

Home Contents Value Calculator

 

Additional Content: 

Why choose NRMA Home Contents Insurance?

  •  New for old replacement on contents insured
  •  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
  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save

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

Contents Home Plus, our highest level of cover

NRMA Home Plus Insurance is our highest level of cover for your household contents. It provides all the features and benefits of our standard 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 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)
  •  Portable Contents option to cover items like jewellery, watches and laptops outside your home
  •  Pet lovers pack as an option
  •  Identity theft up to $5,000
  •  Credit card theft up to $5,000
  •  Temporary accommodation for up to 2 years

To choose Home Plus simply complete a standard Home Insurance quote and then select the 'Upgrade to Plus cover' option.

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 Contents Contents 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 Contents Contents Home Plus
Safety net   Up to 25% of the General Contents sum insured *
Identity theft   Up to $5,000
Accidental damage while taking your contents to your new home    Up to $5,000
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 tenants or strata scheme owners Up to 12 months Up to 24 months
Keys and locks      
Credit card theft when stolen from your home 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 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 Contents 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 Contents Insurance QLD

NRMA Insurance Home Contents Insurance is available in the following three options:

  1. Enjoy new for old replacement on many household items including TVs, computers, furniture, clothing, whitegoods and more with Home Contents Insurance.
  2. Benefit from a the convenience of one policy and one premium with our Home Buildings and Contents Combined Insurance.
  3. Receive all the benefits you enjoy with our Home Contents Insurance, plus additional cover like our safety net for extra replacement costs, automatic cover for burn out of electric motors (fusion) and accidental damage with Home Plus Insurance. 

 

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 contents

Calculate the current value of your contents with our easy to use calculator.

Home Contents Value Calculator

 

Additional Content: 

Why choose NRMA Home Contents Insurance?

  •  New for old replacement cover
  •  Flexible excess levels to help reduce your premium
  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  •  Experience – we've been insuring Australians for over 85 years
  •  Fast, paperless claims and 24/7 Helpline

Contents Home Plus, our highest level of cover

NRMA Home Plus Insurance is our highest level of cover for your household contents. It provides all the features and benefits of our standard 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 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)
  •  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

To choose Home Plus simply complete a standard Home Insurance quote and then select the 'Upgrade to Plus cover' option.

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

 

Optional covers Standard Contents Contents 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 Contents Contents Home Plus
Safety net   Up to 25% of the General Contents sum insured
Identity theft   Up to $5,000
Accidental damage while taking your contents to your new home   Up to $5,000
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 tenants or strata scheme owners Up to 12 months Up to 24 months
Keys and locks      
Credit card theft when stolen from your home 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

* 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).

 

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

Home Contents 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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