What's included

Combined Home Buildings and Contents Insurance covers your house and the things inside it from events like fires, storms and more.

Here are some important things that are covered, not covered, or you can choose to add. For full info, limits, conditions and exclusions, see the policy booklets.

  • Emergency repairs
    • If your home needs urgent repairs, we’re here 24/7 to help keep you safe.
  • Even if you forget to lock up
    • Your items are covered even if you accidentally leave a door or window unlocked.
  • Rebuilding your home
    • We pay to repair or rebuild your home up to the insured amount when it's damaged by a covered event.

  • Theft and vandalism
    • We cover stolen items and damage from robbery and vandalism, including stolen keys.

  • Fire
    • We cover loss and damage to your home and items caused by fire (including bushfire).

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

  • Broken glass
    • We cover accidentally broken glass and ceramic in your home's furniture and some permanent fixtures3

  • Broken glass
    • We cover accidentally broken glass and ceramic in your home's furniture and some permanent fixtures2

  • Impact damage
    • We pay for damage caused by impacts from things like vehicles and trees4

  • Impact damage
    • We pay for damage caused by impacts from things like vehicles and trees3

  • Lightning
    • We cover damage and power surges caused by lightning.

  • Temporary accommodation
    • If your home can't be lived in after a covered event, we pay for temporary accommodation5

  • Temporary accommodation
    • If your home can't be lived in after a covered event, we pay for temporary accommodation4

  • Liability for injury or damage
    • We cover legal liability in some situations up to $20 million if someone's injured or their property's damaged at your home.

  • Building materials
    • If you're renovating, we cover loss or damage to building materials at your home caused by a covered event up to $1,000.

  • Demolishing and removing debris
    • If your house is damaged beyond repair by a covered event, we pay to demolish it and remove debris.

  • No excess for food spoilage
    • If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine.

  • Cover if you rent out your home
    • We offer some cover for renting but, for more complete protection, see Landlord Insurance

  • Visitors' belongings
    • We cover your visitors' items up to $500 if they're damaged by a covered event at your home.

  • Moving to a new home
    • We cover items being moved to your new home if they're damaged in a car accident.

Renting your place on Airbnb or Stayz?

Optional extras

  • Accidental damage
    • Add cover for damage to buildings and items from unintentional mishaps in your home6

  • Accidental damage
    • Add cover for damage to buildings and items from unintentional mishaps in your home5

  • Motor burnout
    • Add cover for electric motor fusion7 in things like fridges and air con, including parts and labour.

  • Motor burnout
    • Add cover for electric motor fusion6 in things like fridges and air con, 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.

  • Valuable contents
    • Increase your cover for some items in your home like art, jewellery and collectables.

  • Portable contents
    • Choose to cover items like glasses, jewellery and luggage when you take them outside your home8

  • Portable contents
    • Choose to cover items like glasses, jewellery and luggage when you take them outside your home7

Choose these during the quote process. Or look at Home Plus, our highest level of cover that includes some options automatically.

Not included

  • Safety net
    • We only cover your buildings and contents for the insured amount. With Home Plus we pay an extra 25% if that’s not enough.

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

  • Actions of the sea
    • We don’t cover storm surge, sea waves, high tides, king tides or normal movements of the ocean.

Renting your place on Airbnb or Stayz?

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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, repair or replace your home and items (if you need it)
  • Automatic cover for accidental damage to your home and items
  • Automatic cover for electric motor burnout or fusion in things like fridges and air con
  • 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

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.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for each category below.

  • Works of art
  • Music, games and movies
  • Collections
  • Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

Yes, you can choose who repairs your home.

However, if you decide not to use one of our partner repairers, NRMA Insurance 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.

If you run a business from home then you should let us know so that we can make sure that you have the right cover. There are some business types that can't be covered under a standard home and contents policy and some specific tools of trade have a policy limit that applies.

If we can cover you under a standard Home Insurance policy, we'll cover your home office equipment used in your business, that you run from home under your Home Contents Insurance policy.

This depends on the types of items that you're claiming for.

Contents items such as electrical items generally are referred to a specialist supplier that can assist in the replacement process.

We can also sometimes choose to settle you with a store credit or cash settlement and where possible, repair or restore content items.

General Contents held in storage can be covered under our Home Insurance policy if you inform us before moving your items into storage and if our acceptance criteria are met.

Refer to the Product Disclosure Statement and Policy Booklet (PDS) for information on items not covered while in storage.

Please note that Valuable Contents are not covered while in storage.

Yes you can.

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

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

Things you should know 

1 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. 

2 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. 

3 We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental Damage Cover.

4 We don't cover loss or damage caused by tree cutting, lopping or felling.

5 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.

6 We don't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.

7 We can cover motors for up to 15 years after they were made.

8 Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial.

 

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