Single Item Insurance

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

Single Item Insurance

How it works

With Single Item Insurance, you pick the items in your home that you want to cover.

From your new TV and new phone to your furniture and sports equipment, you could save money by only insuring what’s most important to you.

Get a quote, log in or make a claim at

What's included

Choose what you want to cover

Electronics, furniture & more

We cover things like new tablets, new phones, 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.


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

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.

Not included

These are some of the things we don't cover


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.

Policy booklets

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

Looking to cover everything, not just a few items?

With over 90 years’ experience, we know how to protect the things you care about

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, fortnightly, monthly or yearly

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. 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.

  4. 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.

Make changes to your policy or start a claim.

If you need some help or want to talk about your policy, get in touch.