Essential Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $500
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to $10,000 combined with demolition cost
- Demolition cost
- Up to $10,000 combined with debris removal cost
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $750 for plants
- Gates and fences
- Yes
Essential Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $250
- Cd dvd and electronic files
- Up to $1,000 per item, up to $2,500 in total
- Computer software hardware
- Yes, hardware. Software, up to $1,000 per item/collection, up to $2,500 total.
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $1,000 per item, up to $2,500 in total
- Jewellery
- Up to $1,000 per item, up to $2,500 in total
- Replacement of documents
- Up to $500
- Tools of trade
- Up to $1,000
- Contents while moving
- No
- Lock replacement
- Up to $500
- Temporary accommodation
- No
- Debris removal
- Up to $10,000
- Demolition cost
- No
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- Yes
- Landscaping
- No
- Gates and fences
- No
Essential Home and Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $250
- Cd dvd and electronic files
- Up to $1,000 per item, up to $2,500 in total
- Computer software hardware
- Yes, hardware. Software, up to $1,000 per item/collection, up to $2,500 total.
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $1,000 per item, up to $2,500 in total
- Jewellery
- Up to $1,000 per item, up to $2,500 in total
- Replacement of documents
- Up to $500
- Tools of trade
- Up to $1,000
- Contents while moving
- No
- Lock replacement
- Up to $500
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to $10,000 combined with demolition cost
- Demolition cost
- Up to $10,000 combined with debris removal cost
- Accidental loss and damage
- No
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- Yes
- Landscaping
- Up to $750 for plants
- Gates and fences
- Yes
Top Home Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- No
- Cash
- No
- Cd dvd and electronic files
- No
- Computer software hardware
- No
- Camera and accessories
- No
- Carpets
- No
- Antiques and valuables
- No
- Jewellery
- No
- Replacement of documents
- No
- Tools of trade
- No
- Contents while moving
- No
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to $15,000 combined with demolition cost
- Demolition cost
- Up to $15,000 combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- No
- Landscaping
- Up to $1,500 for plants
- Gates and fences
- Yes
Top Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $500
- Cd dvd and electronic files
- Up to $1,000 per item, up to $5,000 in total
- Computer software hardware
- Yes, hardware. Software, up to $1,000 per item/collection up to $5,000 total.
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $1,000 per item, up to $5,000 in total
- Jewellery
- Up to $1,000 per item, up to $5,000 in total
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $2,000
- Contents while moving
- Up to 20% of sum insured
- Lock replacement
- Up to $1,000
- Temporary accommodation
- No
- Debris removal
- Up to $15,000
- Demolition cost
- No
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- No
- Building materials
- Yes
- Landscaping
- No
- Gates and fences
- No
Top Home and Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- Monthly payments cost extra
-
yes
- Fire
- Yes
- Theft or burglary
- Yes
- Storm
- Yes
- Flood
- Yes
- New for old
- Yes
- General contents
- Yes
- Cash
- Up to $500
- Cd dvd and electronic files
- Up to $1,000 per item, up to $5,000 in total
- Computer software hardware
- Yes, hardware. Software, up to $1,000 per item/collection up to $5,000 total.
- Camera and accessories
- Yes
- Carpets
- Yes
- Antiques and valuables
- Up to $1,000 per item, up to $5,000 in total
- Jewellery
- Up to $1,000 per item, up to $5,000 in total
- Replacement of documents
- Up to $1,000
- Tools of trade
- Up to $2,000
- Contents while moving
- Up to 20% of sum insured
- Lock replacement
- Up to $1,000
- Temporary accommodation
- Up to 12 months, up to 10% of sum insured
- Debris removal
- Up to $15,000 combined with demolition cost
- Demolition cost
- Up to $15,000 combined with debris removal cost
- Accidental loss and damage
- Yes
- Accidental breakage of glass
- Yes
- Lightning
- Yes
- Earthquake
- Yes
- Storm surge
- No
- Buildings and structural improvements
- Yes
- Building materials
- Yes
- Landscaping
- Up to $1,500 for plants
- Gates and fences
- Yes
Your selected home insurance
Real Insurance home insurance ratings
Customer reviews
No one has rated Real Insurance home insurance in the past 24 months - be the first!
Write a reviewReal Insurance products
Home insurance quick links
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Home Insurance Awards