The Product Disclosure Statement and Policy Booklet (PDS) contains the terms and conditions of our Home Insurance policy. Download the policy booklet (PDF).
It’s not just your contents that are valuable – it’s your home itself. So we’ve created a Home Buildings Insurance policy to protect your bricks and mortar from disaster, and to shield you and your family from worry. For added convenience you can combine your Home Buildings Insurance with Home Contents Insurance.
Home insurance discounts and rewards
We offer great home insurance discounts and rewards that not only allow you to save on your Home Buildings Insurance policy, but on others too. You’ll receive rewards for simply staying with us or get a discount for taking out certain other insurance policies with us. Plus, if you’re 50 years or older, you qualify for the additional Home@50 benefits.
Temporary accommodation
If your home is damaged by an insured event and we agree you can’t live in it, we’ll arrange and pay for temporary accommodation for you for up to 12 months while it gets repaired or rebuilt. So you’re never stuck without a roof over your head.
Flood cover
We cover you for water damage, storms and other causes of flooding, including damage caused by major flooding and when rainfall outside your local area causes nearby creeks and rivers to overflow. Find out about flood cover.
What’s in it for you? Insurance cover for flood has been a concern for some time because of the extensive damage floods can cause. Our flood cover is just another way we can help you unworry.
Nominate your home’s insurance value
Know upfront what your home is insured for. Insure your home for its true value and then rest assured that if it’s destroyed, you can replace it. Without any surprises.
Paperless 24/7 home insurance claims
When you need to make a Home Buildings Insurance claim, we’re available – 24 hours a day, 7 days a week. And with no paperwork to fill in, all you have to do is pick up the phone.
Flexible payment and policy excess options
You can choose to pay annually, with cash, cheque, BPAY or credit card, or monthly by direct debit. Whatever suits you. You can also reduce your Home Buildings Insurance premium by choosing a higher basic excess.
24/7 Helpline
We’re always only a phone call away. Our 24/7 Helpline is a free service you can contact anytime you’re in a jam – just dial 132 900.
Home Buildings Insurance Calculator
All too often, people underestimate the value of their home – and it can be a very costly mistake. So why not use our Home Buildings Insurance Calculator to help you work out how much it would cost to rebuild your home at today’s prices?
Replacement of your home
If your home is damaged or destroyed, we’ll repair or rebuild it up to the sum insured. So you can get your home back, just the way it was.
Options that can be added to your Home Buildings Insurance cover:
Accidental damage. You can choose to pay a little more and increase your Home Buildings Insurance policy to include cover for accidental damage.
Fusion of electric motors. You can choose to pay a little more and increase your Home Buildings Insurance policy to include cover for burn out of electric motors.
Our Home Buildings Insurance policy also covers you for:
Liability cover
Loss or damage by fire, storm or theft
Impact damage
Vandalism or malicious act.
There is also additional cover provided when we pay a claim:
Demolishing and removing debris
Reconnection of electrical components
Funeral expenses
Loss of rent for Landlords
Locating the cause of damage
Lock barrels and key replacement
Mortgagee discharge costs
Fees arising from rebuilding
Renovating or altering your home
For detailed information on this cover, please read the Product Disclosure Statement.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about the product you should consider the Product Disclosure Statement available from NRMA Insurance.