NRMA Home Buildings & Contents Insurance

This product is available in different versions. Pick the right version for you here.

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

NRMA Home Buildings & Contents Insurance

NRMA Home Buildings & Contents Insurance

Mozo Review   NRMA Home Buildings & Contents Insurance Review

Last updated: 26 September 2019.

What's hot:
  • 2019 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 2019 Mozo Experts Choice Award for the policy in the Exceptional Quality Home & Contents Insurance category.

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.

Who it's 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.


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 throughly read through PDS to be aware of any other exclusions. 

Details

Rates and fees information correct as at 13 December 2019. 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

  • $0

  • n/a

  • Multipolicy, combined policy, loyalty, no claim bonus

  • 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
  • Up to 15 years old

Buildings
  • Up to $5,000

  • Up to $2,000 for plants

Contents
  • Up to $1,250

  • Up to $5,000

  • Up to $2,500

  • Up to $2,500

  • Up to $2,500 in total

  • Up to $5,000

  • Up to $5,000

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Up to 24 months

  • Up to 24 months

  • Up to 24 months

  • Up to 60 days

Details

Rates and fees information correct as at 13 December 2019. 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

  • $0

  • n/a

  • Multipolicy, combined policy, loyalty, no claim bonus

  • 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

  • Optional Extra - up to 15 years

Buildings
  • Up to $1,000

Contents
  • Up to $1,250

  • Up to $1,000

  • Up to $2,500

  • Up to $2,500

  • Up to $2,500 in total

  • Up to $5,000

Other cover
  • Up to $10,000 for funeral

  • Optional Extra, up to $2,000

  • Up to 12 months

  • Up to 12 months

  • Up to 12 months

  • Up to 60 days

Customer Reviews

How are NRMA home insurance rated by the Mozo community?

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

Latest reviews of NRMA Home Buildings & Contents Insurance

  • Overall
    7/10
    Great customer service.

    Discounts for loyalty and multiple policies. Great coverage and easy claim process. Prices a...

    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

    Bronwyn | New South Wales

    reviewed about 1 month ago

  • Overall
    10/10
    Honest, reliable and dependable.

    Best premiums available and the only two claims (storm damage) made in 40 years were approved...

    Best premiums available and the only two claims (storm damage) made in 40 years were approved immediately. Faultless insurer for mine.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Charles | New South Wales

    reviewed about 1 month ago

  • Overall
    7/10
    Reasonable service, good security.

    Reasonable rates, great coverage and good customer service.

    Reasonable rates, great coverage and good customer service.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    5/10
    Trust
    7/10

    Nick | New South Wales

    reviewed about 1 month ago

  • Overall
    5/10
    Good service but service has slipped

    Calling NRMA's customer service line to resolve a claim or make a complaint is like entering a...

    Calling NRMA's customer service line to resolve a claim or make a complaint is like entering a pot luck. I would rate the building company handling my claim quite poor as they are very slow.

    Value for money
    6/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    2/10
    Trust
    5/10

    Ray | New South Wales

    reviewed 5 months ago

  • Overall
    1/10
    Terrible claims management - 12 month battle

    In 2015, a massive hailstorm blocked all my roof gutters and sent a torrent of water through my...

    In 2015, a massive hailstorm blocked all my roof gutters and sent a torrent of water through my ceiling. Initially NRMA were quick to respond, but when the repairers they used created problems - a foul stench that could not be cleared - it took OVER 12 MONTHS to get them to sort it out during which time one bedroom was totally unusable. Over and over again, they dropped the ball. I had to chase them literally dozens of times. They must have spent thousands of dollars trying determine to cause of the smell, instead of just stripping back the paintwork and starting again like I asked. In the end, they commissioned a "forensic engineer" who drew a blank, until I sent him a link to a UK website where they described exactly this scenario and exactly what to do about it. FINALLY he agreed to amend his report to recommend they repaint. Problem solved. But I will never ever get home insurance from NRMA Insurance again.

    Value for money
    4/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Andrew | New South Wales

    reviewed about 2 years ago

NRMA

About NRMA

See NRMA home insurance