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Home Buildings Insurance

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

  1. Protect against loss or damage from events like a fire and storm, with the workmanship of authorised repairs or rebuilding guaranteed for life, with Home Buildings Insurance.
  2. Benefit from a single policy for both your home and contents.
  3. Receive all the benefits of our Home Buildings Insurance plus additional cover, like our safety net for additional rebuilding costs, automatic cover for burn out of electric motors (fusion) and accidental damage, with Home Plus Insurance.
Additional Content: 
  1. What cover do I get for my money?
  2. I want the highest level of cover
  3. Why choose NRMA Insurance?
  4. Buildings calculator

What level of cover do I get for my money?

What are you covered for?

  Storm

   Flood * ^
  •   Water and oil leaks
  Lightning   Fire   Earthquake
  •   Theft or attempted theft
  •   Vandalism or a malicious act
   Broken glass
  Impact damage   Animal damage   Explosion
  •   Riots or civil commotion
   Liability cover  
Optional covers Standard Buildings Buildings Home Plus
Accidental damage - mishaps around your home Optional  
Burn out of electric motors (fusion) Optional  
Pet lover's pack Optional Optional
Other covers Standard Buildings Buildings Home Plus
Safety net   Up to 25% of the
Buildings sum insured
Plants, trees and shrubs up to $2,000   Up to $2,000
Temporary accommodation for home owners Up to 12 months Up to 24 months
Loss of rent for landlords    
Building materials Up to $1,000 Up to $5,000
Demolishing and removing debris    
Locating the cause of damage    
Rebuilding fees    
Meeting building regulations    
Mortgagee discharge costs    
Buying a new home    
Keys and locks    
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

Buildings Home Plus, our highest level of cover

NRMA Home Plus Insurance is our highest level of cover for your home.

It provides all the features and benefits of our standard Home Buildings 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 buildings sum insured for extra costs to rebuild your home if you need it
  •  Automatic cover for accidental damage and burn out of electric motors (fusion)
  •  Plants, trees and shrubs
  •  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 Insurance?

  •  More savings when you hold multiple qualifying products with NRMA Insurance
  •  Discounts for loyal customers
  •  Lifetime guarantee on the workmanship of authorised repairs
  •  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

Calculate the current cost to rebuild your home

Calculate the current cost to rebuild your home with our easy to use calculator.

Home Buildings value calculator