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Home insurance

Get cover for your home, contents or both – for incidents such as fire, theft and accidental damage. Apply online and save up to 10% on your first year of eligible home insurance with our online discount1.

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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.

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.

Temporary accommodation

We can cover up to 12 months of temporary accommodation if your home becomes unliveable after a covered incident4

Lifetime guarantee

You’ll get a lifetime guarantee on the workmanship of all authorised repairs to your home.

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We can cover the cost to repair or rebuild if your home is damaged or destroyed by an incident we cover, up to the sum insured.

Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year.

Want more premium cover? Choose Home Buildings Plus when you get a quote.

We offer cover for items in your home, even if you accidentally leave a window or door unlocked.

Plus, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.

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

Protect your home inside and out with combined Buildings and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, we offer a lifetime guarantee on the workmanship of authorised repairs to your home.

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

Payment options

Choose how to pay

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

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

Protect your rental property, its contents, or both. We can cover rent default, as well as damage to your property from theft, vandalism, fire, storms and more.

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.

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FAQs

Home Insurance FAQs

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What is home insurance?

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:

What's considered a rental property?

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.

What's Accidental damage cover in my Home Buildings Insurance policy?

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.

Can I choose my own repairer for my home repairs?

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.

Is Building Insurance and Landlord Insurance the same?

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

    An owner’s guide to home insurance

    Read article
    Insurance Guide Home
  • 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’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 and Contents Standard policy (or up to two years if you have a Home Buildings and Contents 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 and Contents Standard policies, and up to 20% for Home Buildings and Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.