We've been helping Australians for 100 years
Cover for the things you care about most, like a new laptop, your favourite electric guitar or something extra special like an engagement ring.
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.
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.1
This could include things like:
For full details, including limits, conditions and exclusions, read the Product Disclosure Statement (PDS).
Here’s a summary of what’s 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.
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.
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.
If we replace your covered item after it’s been stolen or damaged, we’ll replace it new for old as standard5
We offer policy add-ons for certain items with optional cover for theft or accidental damage anywhere in Australia
With a century of experience, we know how to protect the things you care about
Whether you use your laptop for work, study or leisure, we can help you protect it. Discover how to get cover for your laptop at home or overseas with a Home Contents Insurance policy or Single Item Insurance.
Discover how to insure your mobile phone with Home Contents Insurance or Home Building and Contents Insurance.
When you have something precious, you want to know it’s protected. Discover how to insure your jewellery with Home Contents Insurance or Single Item Insurance.
Looking for something else? Explore more items.
Save up to 10% on your policy when you pay for a year upfront2
Cover as many items as you like from a range of different categories
Pick a payment plan that suits you: pay weekly, monthly or yearly
We’re here for you. Call us on 132 818.
For full details including limits, conditions and exclusions, read these policy documents
Looking to cover everything, not just a few items?
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, new laptop or new camera.
Some items can also add optional theft cover for anywhere in Australia, or optional ‘Accidental damage’ cover anywhere in Australia.
Home Contents Insurance lets you cover the items inside your home, including furniture, electronics, clothes, carpets, and more, without needing to specify them 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 unlivable after an insured event.6
For more information, read the Product Disclosure Statement for Single Item Insurance and for our Home Contents 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.
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.
Similarly, 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.
If you want to insure a large number of items, you might want to consider a Contents Insurance policy to suit your circumstances.
A Contents Insurance policy can help cover a number of items in your home that are eligible for cover under your policy.
When you get a Single Item Insurance policy, it’s important that you insure each item for its full new replacement value. Our policies cover your item for the value of a brand new replacement.
Yes, our Single Item Insurance policy covers electronics, including:
Please note that we no longer offer new Single Item Insurance policies for mobile phones. We continue to offer renewals for existing policies.
You can add extras or accessories for some types of items with our cover. You’ll need to list each item separately on your policy. When you purchase a policy, you’ll have the option to insure accessories for specific item categories.
Living in a share house? We explain how contents insurance can come in handy.
Smartphones, laptops and other electronics can be easily lost, damaged or stolen. We explain how portable contents insurance can help protect them.
We explain why keeping a home inventory is so important, and provide some helpful tips on how to get yours started today.
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.