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Compare home insurance

Discover and compare the home insurance options we have available – and what’s included – to help cover and protect your most valuable assets.  

Why compare home insurance policies?

By spending a little bit of time comparing policies and what’s included, you’ll be one step closer to finding the right cover. 

When comparing, you might like to consider things such as excess (the amount you pay out of pocket if claiming), optional extras (add-ons for your insurance) and your premium (the total amount you pay for your policy).   

Home Contents Insurance can cover items in your home in case they're damaged or destroyed in an insured event such as fire, theft or storm. Home Building Insurance might cover the cost of repairing or rebuilding the physical structure of homes and other buildings. There’s also a combined policy known as Home Building & Contents Insurance. 

Compare NRMA Home Insurance policies

Ready to compare policies, but not sure what’s included? 

Here’s a summary table comparing Home Contents Insurance, Home Building Insurance and Home Building & Contents Insurance. 

For a more comprehensive look at each policy, read our PDS. 

What's included:

  • Theft & vandalism

  • Fire

  • Flood, storm & storm-surge

  • Temporary accommodation

  • Damage to landlord’s property (your liability if renting) 

  • Damage from leaks

  • Broken glass and ceramic

  • Impact damage

  • Lightning

  • Legal liability for injury or damage away from your home

  • No excess for food spoilage

  • Visitors' belongings

  • Items moved to a new home

  • Carpets

You won’t get:

  • Legal liability for injury or damage at your home

  • Cover for new homes as soon as you sign the contract

  • Outdoor plants, trees and shrubs

  • Permanent fixtures

  • Emergency repairs

  • Rebuilding your home

  • Demolition and removing debris

  • Wear and tear of items

Optional extras:

  • Accidental damage

  • Valuable contents

  • Portable contents

What's included:

  • Theft & vandalism

  • Fire

  • Flood, storm & storm-surge

  • Temporary accommodation

  • Damage from leaks

  • Broken glass and ceramic

  • Impact damage

  • Lightning

  • Legal liability for injury or damage at your home

  • Cover for new homes as soon as you sign the contract

  • Outdoor plants, trees and shrubs

  • Permanent fixtures

  • Emergency repairs

  • Rebuilding your home

  • Demolition and removing debris

You won’t get:

  • Damage to landlord’s property (your liability if renting) 

  • Legal liability for injury or damage away from your home

  • No excess for food spoilage

  • Visitors' belongings

  • Items moved to a new home

  • Carpets

  • Wear and tear of items

  • Valuable contents

  • Portable contents 

Optional extras:

  • Accidental damage

What's included:

  • Theft & vandalism

  • Fire

  • Flood, storm & storm-surge

  • Temporary accommodation

  • Damage from leaks

  • Broken glass and ceramic

  • Impact damage

  • Lightning

  • Legal liability for injury or damage away from your home

  • Legal liability for injury or damage at your home

  • No excess for food spoilage

  • Visitors' belongings

  • Items moved to a new home

  • Cover for new homes as soon as you sign the contract

  • Carpets

  • Outdoor plants, trees and shrubs

  • Permanent fixtures

  • Emergency repairs

  • Rebuilding your home

  • Demolition and removing debris

You won't get:

  • Damage to landlord’s property (your liability if renting) 

  • Wear and tear of items

Optional extras:

  • Accidental damage

  • Valuable contents

  • Portable contents

NRMA Home Insurance policy options

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

Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year.

Want more premium cover? Choose Home Buildings Plus when you get a quote.

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

Plus, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.

For premium contents cover, choose Home Contents Plus when you’re getting a quote.

Protect your home inside and out with combined Buildings and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, we offer a lifetime guarantee on the workmanship of authorised repairs to your home.

And if you’re looking for our highest level of cover, choose Home Buildings & Contents Plus when you’re getting a quote.

Are you a landlord or renter?

Our home insurance options aren't just for owner-occupiers, we've got cover for renters and landlords, too.

So, whether you're leasing out your home for short or long-term stays, renting for the first time, or your property is part of a strata arrangement, we're here to help you protect the things that matter most.    

Other types of NRMA Home Insurance

Protect your rental property, its contents, or both. We can cover rent default, as well as damage to your property from theft, vandalism, fire, storms and more.

Do you use platforms like Airbnb or Stayz to host guests for short-term stays? ShareCover2 can give you peace of mind.

ShareCover covers your holiday rental property for things like accidental damage, theft and fire. Choose a policy just for the nights you need.

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

You can also add cover for the breakdown of machinery you own in your property – including things like lifts and heaters.

Want to cover your favourite possessions, like your laptop, tablet or TV? Insurance4That lets you choose what to insure and how much to insure it for.

Whether you’re renting a home with your family, or living in a share house, our Home Contents Insurance offers cover to help protect the things which are important to you.

You can also add a Portable Contents option to cover items like laptops, mobile phones, sporting equipment, glasses or jewellery that might be accidentally lost, stolen or damaged when you’re out and about.

Why Australians choose NRMA Home Insurance

Cover if you forget to lock up

We’re only human. If you accidentally leave a window or door unlocked and someone breaks in, you’re still covered.

Temporary accommodation

We can cover up to 12 months of temporary accommodation if your home becomes unliveable after a covered incident1

Lifetime guarantee

You’ll get a lifetime guarantee on the workmanship of all authorised repairs to your home.

FAQs

Home insurance comparison FAQs

Read more

To compare home insurance, make sure you:

  • understand the different types of home insurance
  • thoroughly review and compare policy details, not just the premiums
  • consider any optional extras that you might need.                                

The most common types of home insurance are Home Contents Insurance, Home Building Insurance, and Home Building and Contents Insurance. Depending on your needs, these can help cover your possessions (contents), physical structures of your home (building), or both.

According to a report from the Australian Securities and Investment Commission, 43% of analysed home insurance claims are related to severe weather events. That’s why our home insurance policies cover a range of weather events, which could help you withstand these challenges. 

We've helped Australians protect what's important for more than a century.  

That's why the Roy Morgan Trusted Brand Awards voted NRMA Insurance the most trusted insurance company in Australia, four years in a row from 2022 to 2025.                       

Useful resources

  • 28 November, 2024
    In the home | NRMA Insurance Blog

    How landlord insurance can help protect your rental property

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    Insurance Guide
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    05 March, 2025
    In the home | NRMA Insurance Blog

    What is insurance and how does it work?

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    Preparedness Caravan Claims Insurance Guide Home Business Car
  • 31 March, 2025
    In the home | NRMA Insurance Blog

    Landlord insurance vs. home insurance

    Read article
    Guide Home Insurance

Things you should know

  1. 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. 

  2. ShareCover is issued by Insurance Australia Limited, ABN 11 000 016 722, AFS Licence No. 227681, trading as ShareCover Enterprises. ShareCover Enterprises isn’t related to Airbnb or Stayz. References to Airbnb or Stayz don’t mean we endorse those platforms (or that they endorse us).