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Got a granny flat, shed, garage or studio at your place? We could help provide cover as part of our Home Building Insurance policy.
If you have a granny flat, shed or other domestic outbuilding at your insured address, you may already have cover under our Home Building Insurance and Home Building and Contents Insurance policies.
Limits, exclusions and conditions may apply. Check the relevant Product Disclosure Statement (PDS) to understand what’s covered.
To make sure your shed, granny flat or outbuilding is covered, check that your sum insured is enough to rebuild them in the event they're damaged or destroyed by a policy-listed event.
Your sum insured is the amount you'll be covered for to rebuild or repair your home if you make a claim.
An outbuilding is usually a separate domestic structure on the same property as your main home. It might be used for living, storage, or hobbies.
Your cover options depend on what you want to insure. Here’s a breakdown:
If your granny flat is the same insured address as your main home, and is used as part of your household, we could help cover the structure as a domestic outbuilding.
Include the cost to repair or rebuild the granny flat, as well as your main home and any other insured structures in your building sum insured.
If you keep furniture, appliances or other belongings in the granny flat, you might also consider Contents Insurance to help cover those items.
Sheds, garages, carports, and similar domestic outbuildings could be covered under NRMA Home Building Insurance when they’re part of your insured property.
That means if a covered event damages the structure, we could help with repair or rebuild costs, up to your building sum insured and subject to the policy terms.
If you need cover for contents stored inside, like tools, bikes, camping gear or gym equipment, consider Contents Insurance.
If you rent out a granny flat, studio or other secondary dwelling, your insurance needs may change.
Landlord Insurance is a cover option for things like landlord-owned contents, damage caused by tenants, or loss of rent in certain situations.
If your tenant owns the belongings inside the granny flat, they’ll need their own contents cover.
Contact us to discuss your option if you’re unsure.
We don’t cover every structure or situation. For example, your cover may not include:
For more information, please read the Product Disclosure Statement (PDS).
You’ll get a lifetime guarantee on the workmanship of all authorised repairs.
We can help cover structures across your insured property, including your home, sheds, garages, carports and other eligible permanent fixtures.
We can cover up to 12 months of temporary accommodation1 if your home becomes unliveable after a covered incident.
While our home building policy generally includes other permanent buildings on your property, you’ll need to check your sum insured to make sure you’re adequately covered if something goes wrong. This is especially important if you’ve recently added or renovated an outbuilding.
Yes, one NRMA Building Insurance policy can cover your home and other eligible domestic outbuildings at the same insured address, if they’re included in your building sum insured and meet the policy terms.
If you also want cover for belongings inside an outbuilding, learn more about Home Building and Contents Insurance or Contents Insurance.
If you rent out a granny flat or secondary dwelling, Landlord Insurance may be worth considering. It can help cover landlord-owned contents, damage caused by tenants and loss of rent in certain situations.
If you rent the granny flat for short stays, check the policy carefully. Landlord Insurance doesn’t cover rental periods of less than 90 days.