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Real Insurance Building Insurance

Advertiser disclosure

The details shown below are for the Essential Home Insurance

The details shown below are for the Top Home Insurance

Choose the version of this product that suits you best

  • Essential Home Insurance

  • Top Home Insurance

Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
n/a

Mozo editorial review Real Insurance Building Insurance - last updated: 15 July 2020

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What's hot
  • Choice of excess (or basic excess from $100)
  • 24/7 claims service
  • Option to combine policies for a 20% multipolicy discount
What's not
  • No underinsurance protection
Mozo snapshot

If you’re just about to move into your new home, your first step might be to ensure it’s covered for any nightmare circumstances. That’s where Real Insurance Building Insurance comes in. With this policy, your home will be covered against the events you just don’t see coming, like fires, floods and even burglary. There’s round the clock service and the chance to score a discount of up to 20%.  

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Key features

One thing you’ll need to remember about the Real Insurance Building Insurance policy is that homeowners will be able to sign up to either the Top or Essentials policy. While both will cover your home in a number of circumstances, the Top Building Insurance policy provides higher policy limits and a more comprehensive range of cover.

Both insurance policies will cover your building in the event of a fire or flood and other events like vandalism. However, if you choose the Essentials Insurance Policy, keep in mind that you will not receive cover for Accidental Loss and Damage (cover is available with the Top Insurance policy). There’s also legal liability cover of up to $20 million on both policies as well as cover for any demolition costs.

And if you are thinking of signing up to the Real Insurance Contents Insurance policy to cover your contents once you’re fully moved in, there’s a multi-policy discount of up to 20%. 

Just remember, there is no underinsurance protection with this policy.

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Who is it good for

Real Insurance Building Insurance could be the right choice for homeowners who want to safeguard their home as they move in or landlords looking to protect their latest investment.

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Any catches

This building insurance policy does not come with underinsurance protection. If your home is ever damaged and you are underinsured, you may have to pay for a portion of the damage.

Details

Rates and fees information correct as at 26 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.
Buildings

Yes

No

Up to $750 for plants

Yes

Events

No

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra, up to 10 years old, up to $1,000

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Policy and service features

60

No

Yes

$200

true

no

Up to 20% online discount

Yes

Up to $20,000,000

none

none

Other cover

Up to $5,000 for funeral

Up to $500

Up to 12 months, up to 10% of sum insured

Up to $500

Up to $10,000 combined with demolition cost

Up to $10,000 combined with debris removal cost

No

*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 26 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.
Buildings

Yes

No

Up to $1,500 for plants

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Optional Extra, up to 10 years old, up to $2,000

No

Yes

Yes

No

Yes

Yes

Yes

Yes

Policy and service features

60

No

Yes

$200

true

no

Up to 20% online discount

Yes

Up to $20,000,000

none

none

Other cover

Up to $10,000 for funeral

Up to $1,000

Up to 12 months, up to 10% of sum insured

Up to $1,000

Up to $15,000 combined with demolition cost

Up to $15,000 combined with debris removal cost

No

*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.

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