Thumbnail icon for NRMA

NRMA Home Buildings & Contents Insurance

The details shown below are for the Home Plus Buildings & Contents Insurance

The details shown below are for the Home Buildings & Contents Insurance

Choose the version of this loan that suits you best

  • Home Plus Buildings & Contents Insurance

  • Home Buildings & Contents Insurance

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review NRMA Home Buildings & Contents Insurance

Last updated: 24 September 2020.

binocular icon
What's hot
  • 2020 Mozo Experts Choice Award
  • Lifetime guarantee on authorised repairs
  • New for old cover
  • Multiple discounts
What's not
  • No cover for death and injury
Mozo snapshot

NRMA Home Insurance is a policy that’s got it all, with features including a lifetime guarantee on authorised repairs, new for old replacement, plus discounts for maintaining a good claim history, and staying loyal to NRMA. Flexible excess levels is another feature you can expect with NRMA Home Insurance.

Best of all, NRMA took out a 2020 Mozo Experts Choice Award for this policy in the Exceptional Quality Home & Contents Insurance category.

key icon
Key features

NRMA Home Insurance prides itself on looking after your home and its additional features. Things like in-ground pools, fences and sheds are covered under the policy along with standard household items like furniture, clothes, bedding, other manchester and more. NRMA understands that life can be unpredictable, so they make sure you’ll receive cover if your home and contents ever suffer from events ranging from a storm and fires to vandalism.

However, if you still feel like you need a little more bang for your buck, NRMA Home Insurance can also provide cover for any additional extras you want added onto your policy. While you may have to pay a high premium for this, things like fusion, accidental damage to your home and contents can also be covered. If you’re a pet owner, NRMA offers a ‘pet lover’ pack, which will cover your best friend for veterinary costs.

You can also score a bunch of great discounts, including a loyalty discount and no claims bonus.

snapshot
Who is it good for

NRMA Home Insurance is a good choice for those who want a straightforward policy with the option to make their cover a little more personalised with optional add-ons.


snapshot
Any catches

While NRMA Home Insurance will ensure your electronic items are provided with the best standard of cover, it’s important you know that the policy will not cover the cost of reinstalling or replacing electronic files. 

If you would like these items covered, it might be a good idea to list them separately in your policy and to read through the PDS thoroughly to be aware of any other exclusions. 

Details

Rates and fees information correct as at 24 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • Yes - Up to 25% of sum insured

  • Yes

  • $0

  • true

  • n/a

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Yes

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to 15 years old

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $5,000

  • Up to $2,000 for plants

  • Yes

Contents
  • Up to $1,250

  • Up to $5,000

  • Up to $2,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,500

  • Up to $2,500 in total

  • No

  • Yes

  • Up to $5,000

  • Yes

  • Up to $5,000

  • No

  • Yes

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Yes

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Yes

  • Yes

  • Yes

  • Up to 60 days

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 24 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features
  • 60

  • No

  • Yes

  • $0

  • true

  • n/a

  • Multipolicy, combined policy, loyalty, no claim bonus

  • Yes

  • Up to 60 days, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Optional Extra - up to 15 years

  • No

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

  • No

  • Yes

Contents
  • Up to $1,250

  • Up to $1,000

  • Up to $2,500

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,500

  • Up to $2,500 in total

  • No

  • Yes

  • No

  • Yes

  • Up to $5,000

  • No

  • Yes

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Yes

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Yes

  • Yes

  • Yes

  • Up to 60 days

  • Yes

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are NRMA home insurance rated by the Mozo community?

Overall
8.1/10
Value for money
7.5/10
Policy coverage
8.0/10
Customer service
8.3/10
Claims handling
7.9/10
Trust
8.1/10

Latest reviews of NRMA Home Buildings & Contents Insurance

  • Overall 1/10
    Don't beleive everything you are told

    When signing up they offer the world. After many years of paying insurance and i try to make a claim they introduce new reason so they don't have to pay. I know I'm only one of many that this has happened too but, worse when I have supported then when others have been through this. Best to find an open upfront insurer.

    Read full review

    When signing up they offer the world. After many years of paying insurance and i try to make a claim they introduce new reason so they don't have to pay. I know I'm only one of many that this has happened too but, worse when I have supported then when others have been through this. Best to find an open upfront insurer.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    4/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Dean, Queensland reviewed 20 days ago
  • Overall 10/10
    Quality affordal insurance with piece of mind

    Been a member with NRMA some 45 years. They've provided quality insurance with personal touches in our ups and occasional claims through the years. They provide help when it was needed most. There example made the rest of the family choose reliable affordable insurance with piece of mind.

    Read full review

    Been a member with NRMA some 45 years. They've provided quality insurance with personal touches in our ups and occasional claims through the years. They provide help when it was needed most. There example made the rest of the family choose reliable affordable insurance with piece of mind.

    Value for money
    9/10
    Policy coverage
    10/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    8/10
    Less
    Onno, New South Wales reviewed 30 days ago
  • Overall 9/10
    Terrific service.

    The response to my claim was great. Good communication and understanding. The whole process was easy and the staff showed compassion.

    Read full review

    The response to my claim was great. Good communication and understanding. The whole process was easy and the staff showed compassion.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Lynne, New South Wales reviewed 4 months ago
  • Overall 10/10
    Great customer service.

    NRMA is a company I trust as they have always dealt with my claims quickly and fairly.

    Read full review

    NRMA is a company I trust as they have always dealt with my claims quickly and fairly.

    Value for money
    8/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Lisa, New South Wales reviewed 6 months ago
  • Overall 7/10
    Great customer service.

    Discounts for loyalty and multiple policies. Great coverage and easy claim process. Prices a little higher than other quotes but coverage seems better than most other insurers.

    Read full review

    Discounts for loyalty and multiple policies. Great coverage and easy claim process. Prices a little higher than other quotes but coverage seems better than most other insurers.

    Value for money
    7/10
    Policy coverage
    9/10
    Customer service
    8/10
    Claims handling
    9/10
    Trust
    7/10
    Less
    Bronwyn, New South Wales reviewed 11 months ago
NRMA

About NRMA

See NRMA home insurance