Real Insurance logo

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

Important information on terms, conditions and sub-limits
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

binocular icon
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.

key icon
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.

snapshot
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.

question icon
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 17 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.
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

60

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

*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 17 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.
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

60

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

*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 Real Insurance home insurance rated by the Mozo community?

Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

Latest reviews of Real Insurance Contents Insurance Home Insurance

About Real Insurance