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
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Essential Home Insurance |
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Top Home Insurance |
Essential Home Insurance
Top Home Insurance
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%.
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.
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.
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.
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Yes |
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No |
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Up to $750 for plants |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra, up to 10 years old, up to $1,000 |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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60 |
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No |
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Yes |
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$200 |
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true |
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no |
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Up to 20% online discount |
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Yes |
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Up to $20,000,000 |
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none |
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none |
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Up to $5,000 for funeral |
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Up to $500 |
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Up to 12 months, up to 10% of sum insured |
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Up to $500 |
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Up to $10,000 combined with demolition cost |
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Up to $10,000 combined with debris removal cost |
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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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Yes |
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No |
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Up to $1,500 for plants |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Optional Extra, up to 10 years old, up to $2,000 |
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No |
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Yes |
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Yes |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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60 |
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No |
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Yes |
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$200 |
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true |
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no |
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Up to 20% online discount |
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Yes |
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Up to $20,000,000 |
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none |
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none |
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Up to $10,000 for funeral |
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Up to $1,000 |
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Up to 12 months, up to 10% of sum insured |
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Up to $1,000 |
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Up to $15,000 combined with demolition cost |
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Up to $15,000 combined with debris removal cost |
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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.
Once the credit card expired and cancelled the policy.They did not bother sending the letter. Or call me to update to cancel the policy. When I contacted them they send the letter of cancellation. I was so annoyed and moved all my policies from them to another.
Read full reviewOnce the credit card expired and cancelled the policy.They did not bother sending the letter. Or call me to update to cancel the policy. When I contacted them they send the letter of cancellation. I was so annoyed and moved all my policies from them to another.
They are very competitive in price & they cover all that is important.
Read full reviewThey are very competitive in price & they cover all that is important.
The best thing is that you are answered by a clear english speaking person that understands everything that you say & is willing to listen when you speak.
Read full reviewThe best thing is that you are answered by a clear english speaking person that understands everything that you say & is willing to listen when you speak.
I have found the customer service excellent and the product offered what was required.
Read full reviewI have found the customer service excellent and the product offered what was required.
It is the cheapest & value for money & also you get 3 percent back if you don't make a claim every 3 years, which is a great deal.
Read full reviewIt is the cheapest & value for money & also you get 3 percent back if you don't make a claim every 3 years, which is a great deal.