Make a claim
Popular Searches

We've been helping Australians for 100 years

Learn more

Single Item Insurance    

Cover for that one thing you care for most, like a new laptop, or jewellery.

Get a quote

What is Single Item Insurance?

Single Item Insurance is a type of home insurance that lets you pick specific items in your home that you want to cover.

Whether it’s a piece of heirloom jewellery, designer furniture, a new TV or sports equipment, you could save money by only insuring what’s most important to you. You can also add optional cover in case your item is stolen anywhere in Australia, not just in your home.

Get a quote, log in or make a claim at nrma.insurance4that.com.au.

What kind of items can I cover?

With Single Item Insurance, you can choose to insure one, two, or a whole range of individual items in your home against damage caused by fire, theft, storm or flood.

This could include things like:

  • New laptops
  • New tablets
  • New TVs and gaming consoles
  • New cameras
  • Musical instruments
  • Jewellery and watches
  • Furniture
  • Bicycles    
  • Sporting equipment.

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

Insurance

What does Single Item Insurance cover?

Here’s a summary of what’s included

Get a quote

Included

  • Electronics, furniture & more
    We cover things like new tablets, new laptops, gaming consoles, new TVs, new cameras and musical instruments.

  • Theft from your home
    We cover items stolen from your home or damaged in an attempted theft at your home.

  • Storms & floods
    We cover items damaged in a storm or flood at your home1.

  • Fire
    We cover damage to your items caused by fire at your home.

Not included

  • Lightning
    We don’t cover damage caused by lightning unless you add Accidental damage cover.

  • Broken glass
    We don’t cover accidentally broken glass in furniture unless you add Accidental damage cover.

  • Malicious acts
    We don’t cover others deliberately damaging your things.

  • Animal damage
    We don't cover damage caused by animals.

Optional extras

You can add these optional extras for certain items when you get a quote

  • Accidental damage
    Add cover for damage from unintentional mishaps like spills, knocks and drops, both at home and away anywhere in Australia.

  • Theft anywhere in Australia
    Optional cover for items if they’re stolen anywhere in Australia, not just your home.

Protect your property 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 your home if it’s damaged or destroyed by an incident we cover, up to the sum insured.

Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings and items will be covered for a range of incidents.

Learn more about Single Item Insurance

Save up to 10% on your policy when you pay for a year upfront2

Get a quote

Cover as many items as you like from a range of different categories

More about cover

Pick a payment plan that suits you: pay weekly, monthly or yearly

More common questions

Already with us?

Make changes to your policy or start a claim

Log in

Need help?

We’re here for you. Call us on 132 818.

Contact us
Existing customers

Already have a policy with us?

Renew your policy
Manage your payments
Make a claim

Make sure to read our policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Product Disclosure Statement
Target Market Determination
Key Facts Sheet

Want more cover?

Looking to cover everything, not just a few items?

See Home Contents Insurance
FAQs

Single Item Insurance FAQs

Read more

What's the difference between Single Item Insurance and Contents Insurance?

Single Item Insurance allows you to cover individual items you have in your home. You might choose to cover just one thing that matters to you, like a wedding ring, laptop or camera. 

You can also add optional theft cover for anywhere in Australia, or optional ‘accidental damage’ cover for anywhere in Australia.

Home Contents Insurance lets you cover the items inside your home including furniture, electronics, clothes, carpets and more without the need to specify these items individually.

You’ll have cover for events such as fire, theft, flood, storm and storm surge3. and have optional benefits to choose from like accidental damage or motor burnout. We’ll also help cover the cost of your temporary accommodation if your home becomes unliveable after an insured event4.

For more information, read the Product Disclosure Statement for Single Item Insurance and for our Home Contents Insurance.

How many items can I cover with Single Item Insurance?

There’s no limit to the number of individual items you can insure.

However, if you want to insure a large number of items, you might want to consider a Home Contents Insurance policy to see if this option better suits your circumstances.

Does Single Item Insurance cover items outside of my home?

If you choose to add optional ‘Theft cover anywhere in Australia’ to your Single Item Insurance policy, the item will be covered for theft anywhere in Australia.

If you choose to add optional ‘Accidental damage’ cover, the item will be protected for accidental damage occurring anywhere in Australia.

If you don’t select either of these optional extras, your item(s) will only be covered while they’re in your home.

Things you should know

  1. Storm means violent wind, cyclone, tornado, thunderstorm, hail, rain, snow or dust – but not persistent rain only. We don’t cover damage from storm surge which is an abnormal increase in sea level caused by a cyclone or severe storm.

  2. 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.

  3. 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 Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge. 

  4. 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 Contents Standard policy (or up to two years if you have a Home Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your extra temporary accommodation costs up to 10% of your sum insured for Home Contents Standard policies, and up to 20% for Home Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

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 and Target Market Determinations.

Single Item Insurance can cover nominated items against loss or damage caused by fire and theft in the home. Optional extras cover is available, such as for accidental damage and/or theft outside the home, on certain items. Terms, conditions, exclusions and limits apply.