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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

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.

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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 12 April 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

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 12 April 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

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
7.6/10
Value for money
7.8/10
Policy coverage
7.5/10
Customer service
7.5/10
Claims handling
6.7/10
Trust
7.3/10

Latest reviews of Real Insurance Home & Contents Insurance

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