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Real Insurance Contents Insurance

Advertiser disclosure

The details shown below are for the Essential Contents Insurance

The details shown below are for the Top Contents Insurance

Choose the version of this product that suits you best

  • Essential Contents Insurance

  • Top Contents Insurance

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review Real Insurance Contents Insurance

Last updated: 15 July 2020.

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What's hot
  • Up to 20% combined policy discount when you buy online
  • New for old replacement if items are damaged or stolen
What's not
  • Extra fee for monthly payments
Mozo snapshot

With Real Contents Insurance, there’s very little that’s been left off the table. Cover extends to fires, floods, theft, vandalism and more. You can choose between two tiers which provide different levels of cover: the 'Essential' or 'Top'. What’s more, you’ll be able to make use of a number of discounts, such as when you apply online or combine your policy with a Real Home Insurance policy.

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Key features

When you take out a contents insurance policy with Real Insurance, you’ll be covered for a wide range of natural disasters - including fires, lightning, storms, floods and earthquakes - as well as other events such as theft, vandalism and explosions across both the Essential and Top policy tiers.

You can rest assured knowing the majority of your valuables will be covered. In the case of jewellery, you’ll be covered for up to $1,000 per item (up to $2,500 in total) if it goes missing or is damaged (up to $5,000 if you select Top Contents Insurance). The same goes for handwoven carpets and antiques.

Home office contents will also be covered up to $5,000 (up to $10,000 under Top Contents Insurance) and tools of trade up to $1,000 (up to $2,000 under Top Contents Insurance). And when it comes to replacing your belongings, Real promises to get you brand new ones, regardless of the original items’ age. However, cash is only covered up to $250 ($500 for Top cover) and the policy doesn’t extend to lost or damaged credit cards or tickets of any kind.

You’ll be able to take advantage of a 10% discount when you apply online, plus an additional 10% discount when you combine your policy with a Real Home Insurance policy. And if you ever have a question or require assistance, you can make use of the 24/7 support.

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Who is it good for

With its extensive cover, Real Contents Insurance would be a great choice for those looking to safeguard their belongings in the majority of circumstances.

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Any catches

As with all insurance policies, you’ll have to read the PDS for a full idea of what’s covered. Sometimes conditions or exclusions apply in specific circumstances. For example, in the case of fires and explosions, you won’t be covered if the damage was caused by the ignition of any flammable substances which you had kept in excessive quantities. And in the case of storm damage, you won’t be covered if the damage was caused by water entering your home as a result of any alterations or renovations you have made.

Details

Rates and fees information correct as at 3 March 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.
Contents
  • Up to $250

  • No

  • Up to $1,000 per item, up to $2,500 in total

  • Yes, hardware. Software, up to $1,000 per item/collection, up to $2,500 total.

  • Yes

  • Yes

  • Up to $1,000 per item, up to $2,500 in total

  • Up to $1,000 per item, up to $2,500 in total

  • Up to $1,000 per item, up to $2,500 in total

  • No

  • Up to $500

  • No

  • Yes

  • Up to $1,000

  • No

  • Up to $5,000

Other cover
  • Up to $5,000 for funeral

  • No

  • Up to $500

  • No

  • No

  • Yes

  • Up to $10,000

  • No

  • No

  • Up to 14 days

  • No

Policy and service features
  • 90

  • No

  • Yes

  • $200

  • true

  • no

  • Up to 20% online discount

  • Yes

  • Optional Extra, up to $1,000 per item

  • Up to $1,000 per item. Up to $4,000 in total

  • Up to $20,000,000

  • none

  • none

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

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 3 March 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.
Contents
  • Up to $500

  • No

  • Up to $1,000 per item, up to $5,000 in total

  • Yes, hardware. Software, up to $1,000 per item/collection up to $5,000 total.

  • Yes

  • Yes

  • Up to $1,000 per item, up to $5,000 in total

  • Up to $1,000 per item, up to $5,000 in total

  • Up to $1,000 per item, up to $5,000 in total

  • No

  • Up to $1,000

  • No

  • Yes

  • Up to $2,000

  • No

  • Up to $10,000

Other cover
  • Up to $10,000 for funeral

  • No

  • Up to $1,000

  • No

  • No

  • Yes

  • Up to $15,000

  • No

  • No

  • Up to 14 days

  • Up to 20% of sum insured

Policy and service features
  • 90

  • No

  • Yes

  • $200

  • true

  • no

  • Up to 20% online discount

  • Yes

  • Optional Extra, up to $1,000 per item

  • Up to $2,000 per item. Up to $8,000 in total

  • Up to $20,000,000

  • none

  • none

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

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 Real Insurance home insurance rated by the Mozo community?

Overall
7.6/10
Value for money
7.8/10
Policy coverage
7.5/10
Customer service
7.5/10
Claims handling
6.7/10
Trust
7.3/10

Latest reviews of Real Insurance Contents Insurance

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