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For my home claim do I need to organise quotes for my home or contents?

NRMA Insurance has partnered with a number of leading retailers and licensed repairers to take the hassle out of you having to obtain quotes.

In most cases you won't need to get quotes but if we need you to we'll contact you to let you know.

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If you have Home Building, Home Contents or Home Building and Contents, you can choose to cover the burnout of your electric motors (as part of your Building and/or Contents) that are up to 15 years old, so long as they are not used in your business or covered by a warranty.

If you have Home Buildings Plus or Home Contents Plus insurance, electrical motor burnout is automatically included.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

To learn more about what you're covered for, read the Product Disclosure Statement (PDS) on our policy booklets page.

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If we authorise and pay to repair your home we provide a lifetime guarantee.

This means that we'll repair any defects that were caused by poor workmanship by one of our partner repairers.

We don't guarantee repairs that you authorise yourself or organise if we cash settle your claim.

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We may ask you to provide information to help us process your claim, such as:

  • Purchase receipts
  • Photos of the damage
  • Credit cards or bank statements

You can upload any documents or information online using your account.

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Most claims for damage to your home we organise to send a preferred repairer to attend and inspect your property.

When a claim is accepted these repairers can organise the necessary tradespeople to attend and fix the damage.

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Accidental Damage Cover is an option you can choose when you get a home insurance quote. It covers things like:

  • Your child accidentally knocked your TV over and broke the screen
  • You were up in your roof and accidentally put your foot through the ceiling.

You can choose Accidental Damage Cover for your building, your contents or both. It's automatically included in Building Plus and Contents Plus policies.

For more information on Accidental Damage Cover, read our Product Disclosure Statement or call us on 132 132.

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