Home Buildings Insurance

Home insurance that covers your buildings and fixtures for fire, vandalism and more

Get a quote Make a claim

Get a quote Make a claim

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What's included

Even if you forget to lock up

Fire

We cover damage to your home caused by fire (including bushfire).

Theft & vandalism

We cover loss and damage from robbery or vandalism, including stolen keys.

Water & oil leaks

We cover damage to your home caused by water and oil leaks¹, like from a burst pipe.

Flood, rainwater run-off & storm surge

We cover damage to your home caused by flood, rainwater run-off and storm surge².

Rebuilding your home

We pay to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.

Emergency repairs

If your home needs urgent repairs, we’re here 24/7 to help keep you safe.

Optional extras
Optional benefits

Add these when you get a quote

Accidental damage

Add cover for damage to buildings and fixtures from unintentional mishaps around your home⁶.

Motor burnout

Add cover for electric motor fusion⁷ in fixtures like air con and pool pumps, including parts and labour.

Pet lover's pack

Optional cover for vet fees if your cat or dog’s in an accident, plus accommodation for them after a covered event.

Not included

There are some things we don't cover

Carpets

We don't cover damage to carpets under Buildings Insurance unless you rent your building to tenants⁸.

Animal damage

We don’t cover animals that normally live at your home unless you add the Pet lover’s pack.

Plants, trees & shrubs

We don’t cover damage to plants, trees or shrubs but we do with Home Plus.

Safety net

We repair or rebuild your buildings up to the insured amount. With Home Plus we pay an extra 25% if that’s not enough.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement Target Market Determination Premium, Excess & Discounts Guide Key Facts Sheet

Renting your place on Airbnb or Stayz?

Check out Holiday Rental cover

With over 90 years’ experience, we know how to protect the things you care about

Do you know how much it would cost to rebuild your home?

Use our buildings calculator

Earn a Loyalty Discount of up to 25%⁹. New customers could get a 20% No Claim Bonus¹⁰

Learn about discounts

Log in anytime to make a claim. It’s quick and easy to upload item receipts or photos

Learn about claims

Upgrade to Home Plus

Home Plus is premium protection for your home. It gives you all the benefits of our standard home insurance, plus extra features and automatic cover you don’t usually find in other policies.

With Home Plus you get:

An extra 25% on top of your insured amount to rebuild or repair your home (if you need it)
Automatic cover for accidental damage
Automatic cover for electric motor burnout or fusion in things like air con and pool pumps
Cover for up to $2,000 of damage to plants, trees and shrubs.

To get Home Plus, select Upgrade to Plus cover at the end of your quote.

Have a question? We can help

What's Accidental damage cover in my home 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 were up in your roof and accidentally put your foot through the ceiling. Whether your building or contents are covered (or both) depends on your policy.

Accidental damage cover's automatically included with Home Plus and can be added to standard home insurance.

Who will be repairing my 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.

Can I choose my own repairer for my home repairs?

Yes, you can choose who repairs your home.

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.

Can I insure for more than your online building calculator says?

Yes you can.

The calculation that's provided is a guide only. It's up to you to make sure your home is insured for its full replacement value.

However, if you insure your home for more than the cost to repair, replace or rebuild, we only pay the actual cost of repairing, replacing or rebuilding.

Where does NRMA Insurance operate in Australia?

We operate in New South Wales, Queensland, Tasmania, Australian Capital Territory, Western Australia, South Australia and the Northern Territory.

Things you should know

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 water or oil leaked or escaped from.
We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. If we give you the option to remove cover for flood, rainwater run-off and storm surge and you choose to do so, you won't be covered for loss or damage to your home caused by flood, rainwater run-off or storm surge.
We pay for accommodation for up to a year if you were living in the damaged home, we agree it’s unliveable and we agree to the cost before you make arrangements.
We don’t cover loss or damage caused by tree cutting, lopping or felling.
You need to give us the details of your new home when you sign the contract to buy it, we need to agree to insure it, and you need to pay any extra premium.
We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use.
We can cover motors for up to 15 years after they were made.
If you rent your building to tenants, we cover up to 10% of the insured amount to repair or replace your furniture, furnishings or carpets in your home for tenants’ use.
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. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
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.

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If you need help, you can talk to us. Call 132 132 (7am–10pm)

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Home Buildings Insurance

What's included