Real Insurance Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

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 loan that suits you best

  • Essential Home and Contents Insurance

  • Top Home and Contents Insurance

Real Insurance Home & Contents Insurance

Real Insurance Home & Contents Insurance

Mozo Review   Real Insurance Home & Contents Insurance Review

Last updated: 6 May 2019.

What's hot:
  • Up to 20% online discount

  • New for old cover

  • 24/7 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 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. You can also add cameras and personal medical equipment as an optional extra on both policies. 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 accidental loss or damage, whereas the Essentials Insurance Policy does not.  

Who it's 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.

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 21 November 2019. 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

  • $100

  • n/a

  • Up to 20% online discount

  • 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
  • Optional Extra, up to 10 years old, up to $1,000

Buildings
  • Up to $750 for plants

Contents
  • Up to $250

  • 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.

  • 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

  • Up to $500

  • Up to $1,000

  • Up to $5,000

Other cover
  • Up to $5,000 for funeral

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to $500

  • Up to $10,000 combined with demolition cost

  • Up to $10,000 combined with debris removal cost

  • Up to 14 days for contents

Details

Rates and fees information correct as at 21 November 2019. 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

  • $100

  • n/a

  • Up to 20% online discount

  • 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
  • Optional Extra, up to 10 years old, up to $2,000

Buildings
  • Up to $1,500 for plants

Contents
  • Up to $500

  • 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.

  • 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

  • Up to $1,000

  • Up to $2,000

  • Up to $10,000

Other cover
  • Up to $10,000 for funeral

  • Up to $1,000

  • Up to 12 months, up to 10% of sum insured

  • Up to $1,000

  • Up to $15,000 combined with demolition cost

  • Up to $15,000 combined with debris removal cost

  • Up to 14 days for contents

  • Up to 20% of sum insured

Customer Reviews

How are Real Insurance home insurance rated by the Mozo community?

Overall customer rating
7.7/10
Value for money
7.8/10
Policy coverage
7.5/10
Customer service
7.6/10
Claims handling
6.9/10
Trust
7.4/10

Latest reviews of Real Insurance Home & Contents Insurance

  • Overall
    7/10
    Satisfied been with real for 7 years

    Haven't had any claims yet so can't really comment there Happy to negotiate renewals each year

    Haven't had any claims yet so can't really comment there Happy to negotiate renewals each year

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    5/10
    Trust
    5/10

    Steve | Western Australia

    reviewed over 3 years ago

  • Overall
    10/10
    Excellent premiums

    The price for my car insurance was half of what others quoted

    The price for my car insurance was half of what others quoted

    Value for money
    10/10
    Policy coverage
    7/10
    Customer service
    7/10
    Claims handling
    7/10
    Trust
    10/10

    Phil | New South Wales

    reviewed almost 4 years ago

  • Overall
    8/10
    Good policy coverage

    Haven't had an issue with our insurance provider. Good product and good customer service.

    Haven't had an issue with our insurance provider. Good product and good customer service.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    7/10
    Trust
    7/10

    Melissa | South Australia

    reviewed almost 4 years ago

  • Overall
    10/10
    Thumbs up

    They are great

    They are great

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Mark | Queensland

    reviewed almost 4 years ago

  • Overall
    10/10
    I have lived here over 3 years now, they are great

    They are great, living in the best place .

    They are great, living in the best place .

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Joshua | Victoria

    reviewed about 4 years ago

Real Insurance

About Real Insurance

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