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Real Insurance Home & Contents Insurance

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

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Go to site
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Go to site

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%.

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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.  

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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.

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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 29 September 2020. 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

*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 29 September 2020. 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

*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
7.7/10
Value for money
7.7/10
Policy coverage
7.5/10
Customer service
7.5/10
Claims handling
6.8/10
Trust
7.4/10

Latest reviews of Real Insurance Home & Contents Insurance

  • Overall 9/10
    Value for money and a must for that one time.

    Pros * Reputable * What you see is what you get Cons * Have't made a claim so can't comment.

    Read full review

    Pros * Reputable * What you see is what you get Cons * Have't made a claim so can't comment.

    Value for money
    8/10
    Policy coverage
    -1/10
    Customer service
    7/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Pooja, Victoria reviewed 14 days ago
  • Overall 10/10
    Real Insurance Coverage

    I've had to do a few claims with Real & have had no issues at all. Good to know you are covered.

    Read full review

    I've had to do a few claims with Real & have had no issues at all. Good to know you are covered.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Jeff, Queensland reviewed about 1 month ago
  • Overall 1/10
    Arrogant Bullies

    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 review

    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.

    Value for money
    1/10
    Policy coverage
    3/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Ray, Western Australia reviewed 3 months ago
  • Overall 9/10
    Competitive premiums and good customer service.

    I find them easy to communicate with and information is readily available.

    Read full review

    I find them easy to communicate with and information is readily available.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Drew, New South Wales reviewed 5 months ago
  • 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

    Read full review

    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
    Less
    Steve, Western Australia reviewed over 4 years ago
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