Buildings & Contents Insurance

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 these categories:

• 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.