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NRMA Home Buildings & Contents Insurance

Advertiser disclosure

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 product that suits you best

  • Home Plus Buildings & Contents Insurance

  • Home Buildings & Contents Insurance

Important information on terms, conditions and sub-limits
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: 30 September 2021

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What's hot
  • 2021 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 contents replacement, plus discounts for maintaining a clean claims history and staying loyal to NRMA. Having a flexible excess is another feature you can expect with NRMA Home Insurance.

Best of all, NRMA took out a 2021 Mozo Experts Choice Award for this policy in the Exceptional Quality Home & Contents Insurance category.

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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 storms to fires, floods, theft and 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 plus accommodation during home repairs.

You can also score a bunch of great discounts, including a loyalty discount and multi policy discount (up to 22.5% combined) and no claims bonus (up to 25%).

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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.

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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 18 October 2021. 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

$100

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

Policy holders who are 50 years or older have the option of a $0 basic excess.

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

*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.

Details

Rates and fees information correct as at 18 October 2021. 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

$100

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

Policy holders who are 50 years or older have the option of a $0 basic excess.

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

*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.

Customer Reviews

How are NRMA home insurance rated by the Mozo community?

Overall
Value for money
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Claims handling
Trust

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