NRMA Buildings Insurance

Key features

There are two levels of NRMA Home Insurance: the standard cover and 'Plus' policy option. Both options provide cover for your home for listed events that include fires, vandalism, leaks, flooding, emergency repairs, plus temporary accomodation should you need to vacate your home. The Plus policy simply includes a few extra circumstances and higher limits to your coverage.

If you’ve got a garden and are proud of it, you’ll be happy to know that NRMA Home Plus Insurance covers your plants, tree or shrubs for up to $2,000. Fusion is also covered under this policy for things like pool pumps and aircon, as is accidental damage and underinsurance (up to 25% of the sum insured) just in case repair and replacement costs go beyond your initial valuation.

If you’re planning any future renovations or ever need to rebuild your home, NRMA Home Plus Insurance also offers covers building materials and rebuilding fees. Lock replacements and debris removal are also covered under this policy along with funeral expenses and many other unexpected events your home may experience.

But to make your cover a little more personal, you also have the option to add pet cover to your policy just in case anything happens to your cat or dog. You can also add some of the Plus policy features onto the standard cover for an additional premium.

Who is it good for

NRMA Home Plus Insurance is a good choice for anyone looking to give their home thorough protection against nearly everything. 

Any catches

As NRMA Home Plus Insurance cover the cost of building materials, it’s important you know that you will only be able to receive is up to $5,000 (or $1,000 under the standard policy) if an insured event causes loss or damage to the materials.

If you do have plans for any major renovations, it might be a good idea to list this separately with your policy and to let NRMA know once the job is completed.