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Home Insurance

Cover for your property – choose from a range of policies to cover your home buildings, contents or rental property.

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Australia’s Most Trusted Insurance Brand 2022, 2023, 2024 and 2025 Roy Morgan Most Trusted Brand Awards

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Repairs guaranteed for life

When you choose an NRMA preferred repairer, any workmanship is covered by a lifetime guarantee.

Why Australians choose NRMA Home Insurance

Cover if you forget to lock up

We’re only human. If you accidentally leave a window or door unlocked and someone breaks in, you’re still covered.

Somewhere to stay while we sort it out

If you can’t live in your home after an insured event, we can cover up to 12 months of temporary accommodation4.

Your belongings, replaced as new

If something happens and your belongings need to be replaced, we’ll replace them with new.    

Home Insurance policy options

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  • We cover theft even if you accidentally leave a door or window unlocked.

  • Covers temporary accommodation if your home can’t be lived in after an insured event4.

  • If your home is damaged by a covered event, we help make it safe and secure.

  • Lifetime guarantee on the workmanship of approved repairs.

Home Buildings Plus gives you an extra 25% on top of your sum insured for repairs or rebuilds.

Protect the property you call home in case you ever need to repair or rebuild after a fire, flood, storm, leak, theft or other insured event.

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  • We cover theft even if you accidentally leave a door or window unlocked.

  • Covers temporary accommodation if your home can’t be lived in after an insured event8.

  • If your insured items are stolen or can’t be repaired, we’ll replace them with new ones.

  • Covers carpets, rugs and floor coverings damaged in an insured event.

For premium contents cover, choose Home Contents Plus when you’re getting a quote.

Help protect the items that make your house a home with insurance that covers you even if you forget to lock up.

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  • We cover theft even if you accidentally leave a door or window unlocked.

  • Covers temporary accommodation if your home can’t be lived in after an insured event4.

  • If your insured items are stolen or can’t be repaired, we’ll replace them with new ones.

  • If your home is damaged by a covered event, we help make it safe and secure.

  • Lifetime guarantee on the workmanship of approved repairs.

And if you’re looking for our highest level of cover, choose Home Buildings & Contents Plus when you’re getting a quote.

Keep things simple with combined cover for the structure of your home and the belongings you keep inside.

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  • Covers damage to your rental property caused by your tenant or their guests. Conditions apply9.

  • If an insured event makes your property unliveable, we'll help cover lost rent for up to 52 weeks during repairs10.

  • Covers up to $10,000 in costs to lawfully remove items left behind by a tenant.

  • Lifetime guarantee on the workmanship of approved repairs. 

Optional rent default cover for up to 15 weeks of unpaid rent, plus up to $5,000 in legal recovery costs.

Protect against tenant damage, lost rent if your home can’t be lived in during repairs, and damage from insured events like severe weather, fire and theft.

What is home insurance?

Home insurance includes a range of insurance products that can cover different properties, possessions and potential risks. It can cover homeowners, renters, landlords, and holiday property owners depending on the type of insurance selected. Options include buildings insurance, contents insurance, combined coverage, and specialised policies like landlord, holiday rental, residential strata, and single item insurance. The type of cover you decide on is up to you, and what suits your needs and budget.

Payment options

Choose how to pay

Pick the payment option that best suits your needs. Pay monthly, quarterly or annually at no extra cost2.

Australian cover, made for Australian conditions

No matter where you’re located, Australia’s weather can be unpredictable. From cyclones and floods to hailstorms and bushfires, extreme weather events can cause significant damage.

That’s why we offer home and contents cover, to help protect your property and valuables from some of the types of weather events Australians face every year.

These are some of the insured events you can claim for, if they cause loss or damage to your home, contents, or both if you have a combined policy.

Earthquake

Protection for loss or damage caused by an earthquake, including a resulting landslide or subsidence that occurs within 72 hours.

Flood

Covers damage caused by water overflowing from rivers, lakes or dams after heavy rain6.

Escape of Liquid

Includes leaks from gutters, pipes, fixed heating systems or water mains that cause damage to your home or contents7.

Explosion

Covers loss or damage caused by an explosion at or near your property.

Fire

Includes loss or damage caused by fire or bushfire.

Impact

Protection for damage caused by fallen items, such as tree branches, power masts or flag poles5.

Lightning

Covers damage caused by lightning and any power surge that results from a lightning strike.

Storm Surge

Covers damage caused by an increase in sea level because of an intense storm or cyclone6.

Want premium cover?

Choose Home Buildings Plus, Home Contents Plus, or Home Buildings & Contents Plus when you get a quote. All our optional benefits – like Accidental Damage cover – are included. Plus, you can cover your home and contents for more than you can with our normal cover.

Other types of home insurance

Do you use platforms like Airbnb or Stayz to host guests for short-term stays? ShareCover3 can give you peace of mind.

ShareCover covers your holiday rental property for things like accidental damage, theft and fire. Choose a policy just for the nights you need.

Protect your strata building and common contents. We can cover damage or loss caused by storms, fires or accidental damage.

You can also add cover for the breakdown of machinery you own in your property – including things like lifts and heaters.

Want to cover your favourite possessions, like your laptop, tablet or TV? Insurance4That lets you choose what to insure and how much to insure it for.

Whether you’re renting a home with your family, or living in a share house, our Home Contents Insurance offers cover to help protect the things which are important to you.

You can also add a Portable Contents option to cover items like laptops, mobile phones, sporting equipment, glasses or jewellery that might be accidentally lost, stolen or damaged when you’re out and about.

Existing customers

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FAQs

Home Insurance FAQs

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Home insurance includes a range of insurance products that can cover different properties, possessions and potential risks. For more information about our home insurance, read the Product Disclosure Statement (PDS). 

This could include:

A rental property is any enclosed building at your premises that has walls, a roof and can be locked up.

Your rental property could also include home improvements such as garages, carports, in ground pools, or fixtures that are permanently attached to your home. For example, light fixtures, built in wardrobes and kitchen cupboards.

Accidental damage cover protects you when things go wrong around your home.

For example, you'd be covered if your child accidentally knocked your TV over and broke the screen. Or if you accidentally put your foot through the ceiling while up in the roof. Whether your building or contents are covered (or both) depends on your policy.

Accidental damage cover can be added as an optional benefit to your Home Buildings Standard policy. Or, if you upgrade to Home Buildings Plus, it’s automatically included.

Yes, for our Home Buildings Insurance and Landlord Insurance policies, you can choose who repairs your home. We have a network of partner repairers and suppliers. We engage these preferred repairers to assist in your claims process so they can help in returning you to the position you were in before your claim.

Rest assured that we only engage suitably qualified repairers and leading retailers that we work closely with to assist with your claim. We will also offer a lifetime guarantee on the workmanship of repairs authorised with one of our preferred repairers.

However, if you decide not to use one of our partner repairers, we won't be able to warrant the workmanship or repairs that are completed, or assist in managing the repairer throughout the repair on timeframes or quality.

We'll also only pay you the fair and reasonable amount that the repairs should cost.

Home Buildings Insurance (also known as building insurance) is different to Landlord Insurance. Home Buildings Insurance is for people who want to insure the property that they own and live in (also known as an owner-occupied home).

Landlord Insurance is for people who want to insure a residential property that they own and rent out to tenants.

There are also other home insurance products for different types of properties, assets and arrangements. Explore Home Contents Insurance, Home Buildings and Contents Insurance, Residential Strata Insurance, Holiday Rental Insurance, Single Item Insurance and Contents Insurance for Renters.

Useful resources section

  • 31 March, 2025
    In the home | NRMA Insurance Blog

    Landlord insurance vs. home insurance

    Read article
    Insurance Home Guide
  • 28 November, 2024
    In the home | NRMA Insurance Blog

    An owner’s guide to home insurance

    Read article
    Insurance Home Guide
  • 28 November, 2024
    In the home | NRMA Insurance Blog

    How landlord insurance can help protect your rental property

    Read article
    Guide Insurance

Things you should know

  1. Some product exclusions apply. Excludes Holiday Rental and Single Item Insurance. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount. Find out more about our online discount.

  2. Not including NSW, QLD, TAS and ACT policies first purchased before 21 April 2024 and not yet renewed, or NSW, QLD, TAS and ACT policies last renewed before 1 July 2024.

  3. ShareCover is issued by Insurance Australia Limited, ABN 11 000 016 722, AFS Licence No. 227681, trading as ShareCover Enterprises. ShareCover Enterprises isn’t related to Airbnb or Stayz. References to Airbnb or Stayz don’t mean we endorse those platforms (or that they endorse us).

  4. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Buildings Standard policy (or up to two years if you have a Home Buildings Plus policy), or when your home is repaired or replaced (whichever is first). We pay your temporary accommodation costs up to 10% of your sum insured for Home Buildings Standard policies, and up to 20% for Home Buildings Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

  5. We will not cover loss or damage caused by tree cutting, lopping or felling unless performed by a professional. We will not cover costs to cut down or remove a tree if it didn’t cause any loss or damage to Your Home or Contents.

  6. We don’t cover actions of the sea, such as tides and waves. We don’t cover damage caused by escape of water or liquid, flood, rainwater run-off or storm.

  7. We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.

  8. If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Buildings Standard policy (or up to two years if you have a Home Buildings Plus policy), or when your home is repaired or replaced (whichever is first). We pay your temporary accommodation costs up to 10% of your sum insured for Home Buildings Standard policies, and up to 20% for Home Buildings Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

  9. We will deduct from your claim four times the weekly rental amount in addition to any excess that applies. We will not cover loss or damage if we have paid a claim in relation to the same tenant or rental agreement under the ‘Damage by occupant’ or ‘Theft by tenant’ listed events or under the ‘Rent default’ cover option, except in relation to the same incident. A valid rental agreement is required. You must report any theft or attempted theft to the police and provide us with an incident report number.

  10. Covered if the home is unliveable. We’ll cover either the weekly rent listed on your Certificate of Insurance, or the weekly rent in your rental agreement, whichever is less. A valid rental agreement is required. We will not cover your loss of rent if we have paid a claim in relation to the same tenant or rental agreement for rent default. If you have Building Insurance and Contents Insurance, we only pay this benefit once for each incident.