The details shown below are for the Essential Home and Contents Insurance
The details shown below are for the Top Home and Contents Insurance
Choose the version of this product that suits you best
| Name | |
|---|---|
| | Essential Home and Contents Insurance |
| | Top Home and Contents Insurance |
Essential Home and Contents Insurance
Top Home and Contents Insurance
Whether you’re after a policy at an affordable price or are looking to get a more extensive range of cover, look no further than Real Insurance Home and Contents Insurance. This insurance policy comes in two tiers: Top or Essentials Home and Contents Insurance, both of which offer an online discount of up to 20%.
With the Real Insurance Home and Contents Insurance policy, you can rest easy knowing your home will be covered during life’s unexpected moments. Whether you opt for the Top or Essentials policy, you’ll be guaranteed cover for events like fire, flood, storm and theft, and you’ll be able to receive new for old cover.
Regardless of the type of policy you choose you’ll also have cover across a range of contents including jewellery, carpets and antiques. Legal liability cover reaches up to $20 million on both policies, plus you’ll be covered for death or injury.
There’s an online discount of up to 20% as well as your choice of excess or basic excess starting from $100 (dependant on the policy you choose). And no matter the time of day, you’ll be able to always lodge a claim thanks to Real Insurance’s 24/7 service.
However, one difference to remember is that the Top Insurance Policy provides cover for all accidental loss or damage, whereas the Essentials Insurance Policy has limited cover for this.
The Real Insurance Home and Contents Insurance policy is a great choice for homeowners who like having the flexibility to choose a level of cover within the one policy.
You should keep in mind that this policy does not provide cover for underinsurance. This could become an issue if you ever have to make a claim, as you might be expected to pay for some of the damage.
| 90 | |
| No | |
| Yes | |
| $200 | |
| true | |
| n/a | |
| 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 | |
| n/a | |
| n/a |
| 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 |
| Yes | |
| Yes | |
| Up to $750 for plants | |
| Yes |
| 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 |
| Up to $5,000 for funeral | |
| No | |
| Up to $500 | |
| Up to 12 months, up to 10% of sum insured | |
| Up to $500 | |
| Yes | |
| Up to $10,000 combined with demolition cost | |
| Up to $10,000 combined with debris removal cost | |
| No | |
| Up to 14 days for contents | |
| 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.
| 90 | |
| No | |
| Yes | |
| $200 | |
| true | |
| n/a | |
| 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 | |
| n/a | |
| n/a |
| 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 |
| Yes | |
| Yes | |
| Up to $1,500 for plants | |
| Yes |
| 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 |
| Up to $10,000 for funeral | |
| No | |
| Up to $1,000 | |
| Up to 12 months, up to 10% of sum insured | |
| Up to $1,000 | |
| Yes | |
| Up to $15,000 combined with demolition cost | |
| Up to $15,000 combined with debris removal cost | |
| No | |
| Up to 14 days for contents | |
| Up to 20% of sum insured |
*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.
I've been with Real Insurance for 4 years now and I'm very happy with the friendly customer service. They're understanding, outline your insurance details well and always post out any updates on your policies.
Read full reviewI've been with Real Insurance for 4 years now and I'm very happy with the friendly customer service. They're understanding, outline your insurance details well and always post out any updates on your policies.
Pros * Reputable * What you see is what you get Cons * Have't made a claim so can't comment.
Read full reviewPros * Reputable * What you see is what you get Cons * Have't made a claim so can't comment.
I've had to do a few claims with Real & have had no issues at all. Good to know you are covered.
Read full reviewI've had to do a few claims with Real & have had no issues at all. Good to know you are covered.
I decided to swap to a different Insurer after 8 years. They refused to stop my direct debit and said I would have to put it in writing, not over the phone or email, but in actual writing and send it in. They said they then had 28 days to "accept" me leaving and cancelling my direct debit. They said I had to have a very good reason. Then the phone calls started at 6am thru to 8pm with questions at first then immature calls asking if I was happy and if i was feeling ok and the list goes on. After 5 days of this I simply cancelled my credit card so they were unable to direct debit it. Not so smart are you now Real Life Bullies! Be very wary of this Companies cancellation Policy. Had a friend get treated in exact same manner so it is obviously something they promote actively to hinder you cancelling without Bullying and harassing tactics. Im now with MLC and much happier.
Read full reviewI decided to swap to a different Insurer after 8 years. They refused to stop my direct debit and said I would have to put it in writing, not over the phone or email, but in actual writing and send it in. They said they then had 28 days to "accept" me leaving and cancelling my direct debit. They said I had to have a very good reason. Then the phone calls started at 6am thru to 8pm with questions at first then immature calls asking if I was happy and if i was feeling ok and the list goes on. After 5 days of this I simply cancelled my credit card so they were unable to direct debit it. Not so smart are you now Real Life Bullies! Be very wary of this Companies cancellation Policy. Had a friend get treated in exact same manner so it is obviously something they promote actively to hinder you cancelling without Bullying and harassing tactics. Im now with MLC and much happier.
I find them easy to communicate with and information is readily available.
Read full reviewI find them easy to communicate with and information is readily available.