based on 3445 NRMA product reviews as rated by Mozo community

NRMA home insurance

Protecting what matters most for over 90 years, NRMA Insurance is backed by IAG, the leading general insurance provider in Australia and New Zealand. NRMA has a range of home insurance policies that protect your home and contents from a range of key events include theft, fire and flood. It's an award winner, having taken out a 2021 Mozo People's Choice Award for Excellent Claims Experience. NRMA’s Home Insurance policy has also been voted a winner for having Exceptional Quality Home and Contents Insurance in the 2023 Mozo Experts Choice Awards.

NRMA offers the following home insurance

Cover information and limits in the table below verified as correct at 10 December 2023. Other information correct at the time of writing.
Advertiser disclosure.

Product Main Events covered Monthly payments cost extra Underinsurance protection New for old replacement
Home Buildings & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Buildings Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

No

Yes

Home Plus Buildings & Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Home Plus Buildings Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

Home Plus Contents Insurance
Image of fire Fire
Image of theft Theft
Image of storm Storm
Image of flood Flood

Yes

Yes

Up to 25% of sum insured

Yes

How is NRMA home insurance rated?

Mozo users have rated NRMA home insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-insurances
NRMA home insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

425 Reviews

Recent NRMA home insurance reviews

NRMA Home Buildings & Contents Insurance
Overall 10/10
NRMA are a well established and excellent company

I like this insurance company die totheirexcellent customer service. Always willing to help customers and have a no claims bonus which is a great incentive

Read full review

I like this insurance company die totheirexcellent customer service. Always willing to help customers and have a no claims bonus which is a great incentive

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Sharon, New South Wales, reviewed about 1 month ago
NRMA Contents Insurance
Overall 10/10
Friendly trustworthy and helpful company

Always friendly and helpful No matter how small your query treating you with respect and courtesy

Read full review

Always friendly and helpful No matter how small your query treating you with respect and courtesy

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Anna, South Australia, reviewed 25 days ago
NRMA Buildings Insurance
Overall 7/10
NRMA seems to consider claims maintenance issues.

They seem to have strict conditions for a claim to be accepted. We had several claims knocked back since they were considered maintenance issues. For example, we had extensive leaking in one room which was caused by a waterproofing failure under the floorboards of a verandah. They considered it a maintenance issue. I guess we could tear up the floorboard every other year to check the waterproofing!

Read full review

They seem to have strict conditions for a claim to be accepted. We had several claims knocked back since they were considered maintenance issues. For example, we had extensive leaking in one room which was caused by a waterproofing failure under the floorboards of a verandah. They considered it a maintenance issue. I guess we could tear up the floorboard every other year to check the waterproofing!

Value for money
7/10
Policy coverage
9/10
Customer service
6/10
Claims handling
6/10
Trust
8/10
Less
Thomas, New South Wales, reviewed 25 days ago
NRMA Contents Insurance
Overall 7/10
As a renter I recommend NRMA for contents cover.

NRMA have been good to deal with. They provide a good policy which covers my needs. Able to pay fortnightly for premiums is a bonus for me. I would recommend them for sure.

Read full review

NRMA have been good to deal with. They provide a good policy which covers my needs. Able to pay fortnightly for premiums is a bonus for me. I would recommend them for sure.

Value for money
8/10
Policy coverage
8/10
Customer service
8/10
Claims handling
8/10
Trust
8/10
Less
Karen, South Australia, reviewed 5 months ago
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