Real Insurance logo

Real Insurance Home & Contents Insurance

Advertiser disclosure

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

  • Essential Home and Contents Insurance

  • Top Home and Contents Insurance

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

Mozo editorial review Real Insurance Home & Contents Insurance - last updated: 15 July 2020

binocular icon
What's hot
  • Up to 20% online discount
  • New for old cover
  • 24/7 claims service
What's not
  • No underinsurance protection
Mozo snapshot

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%.

key icon
Key features

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.  

snapshot
Who is it good for

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.

question icon
Any catches

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.

Details

Rates and fees information correct as at 18 September 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.
Policy and service features

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

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

Buildings

Yes

Yes

Up to $750 for plants

Yes

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

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.

Details

Rates and fees information correct as at 18 September 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.
Policy and service features

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

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

Buildings

Yes

Yes

Up to $1,500 for plants

Yes

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

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.

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 Home & Contents Insurance Home Insurance

About Real Insurance