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Flood cover in NSW, the ACT and Tasmania — Home, Landlord and Strata Title Insurance

Regardless of where you live, flooding can cause major damage to your home and contents.

Whether damage is the result of an overflowing river or a burst water pipe, it’s important to understand the different types of floods and other water-related events and how they’re covered under your insurance policy.

Learn about cover for floods, storms and other water events
 

Additional Content: 

Flood cover available in NSW/ACT/TAS

The majority of Home, Landlord and Strata Title Insurance customers in NSW, the ACT and Tasmania automatically receive flood cover. This gives you peace of mind knowing that you’re covered for different types of water damage.

If your property has been identified by NRMA Insurance as prone to flooding you can choose to remove flood cover from your policy to reduce your premium.

What is a flood

NRMA Insurance defines a flood as:

The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:
 
a) a lake (whether or not it has been altered or modified)
b) a river (whether or not it has been altered or modified)
c) a creek (whether or not it has been altered or modified)
d) another natural watercourse (whether or not it has been altered or modified)
e) a reservoir
f) a canal
g) a dam
 
Flood does not include sudden, excessive run-off of water as a direct result of a storm in your local area.
You are covered for sudden, excessive run-off of water as a direct result of a storm in your local area under Storm.
 

Like to know more?

  • Read our Frequently Asked Questions about flood cover
  • Give us a call on 132 132 or visit your nearest NRMA Insurance office
  • For full details of our flood cover please refer to the Product Disclosure Statement and Policy Booklet found in our Home Insurance policy booklets section.

Flood cover in Queensland - Home and Landlord Insurance

Regardless of where you live, flooding can cause major damage to your home and contents. Whether damage is the result of an overflowing river or a burst water pipe, it’s important to understand the different types of floods and other water-related events and how they’re covered under your insurance policy.

Learn about cover for floods, storms and other water events
 

Additional Content: 

Flood is a listed event

From 9 January 2012 all new NRMA QLD Home and Landlord Insurance policies include cover for loss or damage caused by flood, in addition to storm and water leaks. This gives you peace of mind knowing that you’re covered for different types of water damage.

What is a flood?

NRMA defines a flood as:

The covering of normally dry land by water that has escaped or been released from the normal confines of any of the following:

a) a lake (whether or not it has been altered or modified)

b) a river (whether or not it has been altered or modified)

c) a creek (whether or not it has been altered or modified)

d) another natural watercourse (whether or not it has been altered or modified)

e) a reservoir

f) a canal

g) a dam

Flood does not include sudden, excessive run-off of water as a direct result of a storm in your local area.
You are covered for sudden, excessive run-off of water as a direct result of a storm in your local area under Storm.
 

Like to know more?

  • Read our Frequently Asked Questions about flood cover
  • Give us a call on 132 132 or visit your nearest NRMA Insurance office
  • For full details of our flood cover please refer to the Product Disclosure Statement and Policy Booklet found in our Home Insurance policy booklets section.

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