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Home and Contents Insurance

Keep things simple with combined cover for the structure of your home and the belongings you keep inside.

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Cover for temporary accommodation

We cover up to 12 months of temporary accommodation if your home becomes unliveable after a covered incident2.

Want to save up to 10%?

Buy your Home Buildings and Contents Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium14.

Why choose NRMA Home and Contents Insurance?

Combined cover all in one

From your ceilings and walls to furniture and rugs, get cover for your home’s structure plus the contents inside with one policy.

Pay only one excess

If both your building and contents are damaged in the same insured event, you may only pay one excess (the higher amount).

New replacement for an old item

If we replace your covered item after it’s been stolen or damaged, we’ll replace it new for old as standard.

What is Home Buildings and Contents Insurance?

Home Buildings and Contents Insurance combines our Home Buildings Insurance and Home Contents Insurance to help cover your home and personal belongings if they’re damaged or destroyed by an insured event, such as fire, theft or storm2.

This includes your home and other structures on your property (like garages and sheds), as well as permanent fixtures and things you keep inside your home.

You can also customise your policy with optional add-ons to suit your needs when you get a quote.

Buildings cover

Our Buildings Insurance page has a summary of what’s covered. It also details what’s not included and any optional extras.

Building Insurance helps cover the cost of repairing and rebuilding the physical structure of your home, if it’s damaged or destroyed by an insured event (such as a bushfire, flood, storm or leak) up to the sum insured2.

Contents cover

Go to our Contents Insurance page for a summary of what’s included, what’s not, and optional extras.

Contents Insurance helps cover items in your home (such as furniture, electronics, clothing, fridges, TVs and more) in case they’re damaged or destroyed by an insured event such as a fire, theft or storm2.

Want premium cover?

Choose Home Buildings and Contents Plus when you’re getting a quote.

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Home Buildings and Contents Plus gives you:

  • A Safety Net of an extra 25% on top of your ‘Building’ sum insured, if your home needs to be rebuilt or repaired
  • Plus 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Buildings and Contents Insurance Standard
  • Plus higher limits on some inclusions, like food spoilage and landscaping.

Read our Product Disclosure Statement to see exactly what’s included. It’s just below.

Make sure to read our policy booklets

They’ll give you full details on limits, conditions, exclusions and more.

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

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Learn more about Home Buildings and Contents Insurance

Do you know how much it would cost to rebuild your home and replace the things in it?

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Save up to 10% on your first year when you get home insurance online14

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Call us on 131 123 to make a claim 24/7

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FAQs

Home and Contents Insurance FAQs

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Instead of taking out two individual policies to help cover your home's structure and your belongings, you might consider a combined policy that helps cover both. It carries the benefit of less life admin (always a plus!) by allowing you to review your cover all in one hit.

A combined policy also means that if both your home and its belongings are damaged in the same insured event, you may only need to pay one excess (the higher of the two).

Some examples of insured events include fires (including bushfires), storms, floods1, water leaks, theft, vandalism and more. You can see the full list in the Product Disclosure Statement (PDS).

To get a quote, you’ll need to tell us how much to insure your home and contents for. To get an idea of how much your building or contents might be worth, you can consider using our calculators as a guide9.

As a renter, you may wish to consider Contents Insurance for Renters for the things you keep inside the property you're renting.

Insurance for the structure of a building is typically the responsibility of the landlord, who owns the property.

Yes, you can.

The calculation estimate provided is just a guide.

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 cost of repairing, replacing or rebuilding.

Note that your ‘building’ and ‘general contents’ sum insured is the amount your home and contents is insured for. Each year your policy renews, your sum insured is reviewed and may change due to a range of factors, such as inflationary trends.

Read the PDS for more details or contact us.

Under one Home and Contents policy, you could pay one total excess (the higher of the two) if a single insured incident damages both your building and contents, but it depends on the circumstances.

Read the PDS for more details or contact us.

Existing customers

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Protect your property with NRMA Home Insurance

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

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

Protect your strata building and common contents. We can cover damage or loss caused by storms, fires or accidental damage.

Renting your place for short stays and vacations on websites like Airbnb or Stayz?

Explore cover for your short-term rental property with ShareCover Holiday Rental Insurance

Check out Holiday Rental cover

Learn more about protecting your homes and contents

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    How to make a home inventory (and why you need to start one today)

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Need help?

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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 liquid 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. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Building Insurance or Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your home (under Building insurance) or contents (under Contents Insurance) caused by flood, rainwater run-off or storm surge.

  3. 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.

  4. We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.

  5. Your interest in the home is covered up to the amount of the deposit until the earliest of 90 days or when the contract settles or terminates. You are only covered if the vendor’s insurance does not provide cover.

  6. We do not cover plants grown for commercial purposes, or for loss or damage to pot plants, lawn or soil washing away. We will pay up to $3,000 if you have ‘Plus’ cover, or $1,500 if you have ‘Standard’ cover.

  7. We can cover electric motors for up to 15 years after they were made, provided they are not covered by a warranty, you do not use them for a business, trade or profession and they are kept at your home or site. We do not cover the cost to remove or install submerged or underground motors.

  8. See the full details of the online discount. 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.

  9. The Cordell Sum Sure Estimate is an estimate of the cost to rebuild the improvements on your property and is generated by the Cordell Sum Sure Calculator which uses available property attribute information (including information you input or confirm) and/or information collated by Cotality about the subject property (from insurers and other third party sources) and analyses them against construction industry data to statistically derive a rebuild estimate through a series of computer implemented algorithms (Cordell Sum Sure Estimate). The Cordell Sum Sure Estimate does not take into account individual design features, site specific conditions, structural conditions and materials, local planning laws or any other regulations and may not be suitable for your particular circumstances. The Cordell Sum Sure Estimate is an indicative guide only and must not be relied upon as an accurate representation on the costs associated with rebuilding your property or in lieu or appropriate professional advice. While Cotality uses commercially reasonable efforts to ensure the Cordell Sum Sure Estimate is current, Cotality does not warrant the accuracy, currency or completeness of the Cordell Sum Sure Estimate and to the full extent permitted by law excludes all loss or damage howsoever arising (including through negligence) in connection with the Cordell Sum Sure Estimate.