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Phone insurance

Discover how to insure your mobile phone with Home Contents Insurance or Home Building and Contents Insurance.

Why choose NRMA Insurance for your mobile phone? 

Award-winning insurance

You’ll be choosing Australia’s most trusted insurance brand.1

Home Insurance options

Cover options for your mobile 

phone within Australia or overseas.

100 years of help

With a century of experience, we know how to protect the things you care about.

Understanding your mobile phone insurance options

While we don’t have a standalone mobile phone insurance product, there are options available to help you protect your phone.

Here’s how they work:

Cover at home only

Our Home Contents Insurance and Home Building and Contents Insurance policies help cover the things you keep inside of your home against insured events like theft, fire or storm damage.

With this policy, mobile phones can be covered for loss or damage that occurs at home.

For full details including limits, conditions and exclusions, read the Product Disclosure Statement (PDS).

Portable Contents cover (optional add on)

If you want your mobile phone covered while you’re out and about, you can get optional cover for your Portable Electronic Devices under your home contents policy.

With this option, you’ll have protection anywhere in the world.

This option is available for both our Contents Plus and Contents Standard policies. The most we’ll pay for an individual item is $10,000.

Why add Portable Contents cover for your mobile phone?

When you add portable contents to your Home Contents Insurance or Home Building and Contents Insurance your phone could be protected outside the home for:

  • Accidental damage: if your mobile phone slips from your pocket to the floor and breaks.
  • Liquid damage: if a bottle leaks in your bag and damages your mobile phone.
  • Theft away from home: if your mobile phone is stolen from you while you’re out. 

Home Contents Insurance or Home Building and Contents Insurance 
does not cover your phone for:

  • wear and tear
  • mechanical or electronic failure
  • loss of data.  

Always check the Product Disclosure Statement for the full list of inclusions, limits and conditions.

FAQs

Phone Insurance FAQs

Can I add Portable Contents cover to my existing Home Insurance insurance policy if I get a new phone?

Yes. You can add Portable Contents cover to your policy to add a new phone. 

Can I insure multiple mobile phones?

Yes. Your Home Contents Insurance or Home Building and Contents Insurance can cover your family or household’s mobile phones and portable electronic devices while at home. For protection when you’re out and about, consider adding Portable Contents optional extra.  

Protect your belongings with NRMA Home Insurance

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

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.

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

Your buildings and items will be covered for a range of incidents.

Things you should know

  1. NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand in 2022, 2023, 2024 and 2025.

Single Item Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as NRMA Insurance. When making decisions about a product, always read the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from https://insurance4that.com.au/.

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, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, drones, 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. A portable contents excess may apply, read the Premium, Excess and Discounts Guide.