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Home Contents Insurance
Which state will the home be insured in?
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).
Additional Content:
- What cover do I get for my money?
- I want the highest level of cover
- Why choose NRMA Insurance?
- Contents value calculator
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 |
|
|
|
| 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
Choose Home Plus Insurance
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.
Why choose NRMA Home Contents Insurance?
- New for old replacement on contents insured
- Flexible excess levels to help reduce your premium
- Discounts for loyal customers
- Fast, paperless claims and 24/7 Helpline
- Experience – we've been insuring Australians for over 85 years
- More savings when you hold multiple qualifying products with NRMA Insurance
Calculate the current value of your contents
Calculate the current value of your contents with our easy to use calculator.
Home Contents Insurance QLD
NRMA Insurance Home Contents Insurance is available in the following three options:
- Enjoy new for old replacement on many household items including TVs, computers, furniture, clothing, whitegoods and more with Home Contents Insurance.
- Benefit from a the convenience of one policy and one premium with our Home Buildings and Contents Combined Insurance.
- 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.
Additional Content:
- What cover do I get for my money?
- I want the highest level of cover
- Why choose NRMA Insurance?
- Contents value calculator
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 |
|
| 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
Choose Home Plus Insurance
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.
Why choose NRMA Home Contents Insurance?
- New for old replacement cover
- Flexible excess levels to help reduce your premium
- More savings when you hold multiple qualifying products with NRMA Insurance
- Discounts for loyal customers
- Experience – we've been insuring Australians for over 85 years
- Fast, paperless claims and 24/7 Helpline
Calculate the current value of your contents
Calculate the current value of your contents with our easy to use calculator.
