Home Buildings Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Optional Extra - up to 15 years
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Yes
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months
- Temporary accommodation for pets
-
Up to 12 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Home Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Optional Extra - up to 15 years
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months
- Temporary accommodation for pets
-
Up to 12 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Home Buildings & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Optional Extra - up to 15 years
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
No
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 12 months
- Temporary accommodation
-
Up to 12 months
- Temporary accommodation for pets
-
Up to 12 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
No
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Home Plus Buildings Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Yes
- Emergency storage
-
Up to 24 months
- Temporary accommodation
-
Up to 24 months
- Temporary accommodation for pets
-
Up to 24 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $5,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
Up to $2,000 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Home Plus Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $5,000
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 24 months
- Temporary accommodation
-
Up to 24 months
- Temporary accommodation for pets
-
Up to 24 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
No
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Home Plus Buildings & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
yes
-
Underinsurance protection
-
Yes - Up to 25% of sum insured
-
New for old replacement
-
Yes
- Underinsurance protection
-
Yes - Up to 25% of sum insured
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to 15 years old
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
Up to $10,000 for funeral
- Monthly payments cost extra
-
yes
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,500
- Cash
-
Up to $1,250
- Cd dvd and electronic files
-
Up to $2,500
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $5,000
- Jewellery
-
Up to $2,500 in total
- Personal medical equipment
-
Yes
- Replacement of documents
-
Yes
- Tools of trade
-
Up to $5,000
- Lock replacement
-
Yes
- Emergency storage
-
Up to 24 months
- Temporary accommodation
-
Up to 24 months
- Temporary accommodation for pets
-
Up to 24 months
- Temporary repairs
-
Yes
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $5,000
- Demolition cost
-
Yes
- Debris removal
-
Yes
- Landscaping
-
Up to $2,000 for plants
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
-
- Other benefits
-
Policy holders who are 50 years or older have the option of a $0 basic excess. Save up to 10% on your first years premium.
Your selected home insurance
NRMA Insurance home insurance ratings
Customer reviews
-
Review of NRMA
I found it very good & helpful but like most insurance companies check to see if you're covered for flooding
-
Very reputable and excellent customer service
I have always liked nrma for understanding of my situation and very helpful with any enquiries
-
Good company with good staff. Maybe replace assets
NRMA staff are always helpful and friendly Having 4 insurances with the company l am very please with their service When it comes to making a claim the people who asset the claim are very hard I have found they alway have a reason to dismiss it
-
Good deal
Like that you’re covered even if you accidentally leave a door unlocked. Other providers don’t cover you for a break in if you leave doors/windows open/unlocked
-
NRMA - as good as any others
Lucky for me, I have never had to put my insurance provider to the test. But I have been with N RMA for many years, and the product seems very comparable to others on the market, like Suncorp.
-
Friendly trustworthy and helpful company
Always friendly and helpful No matter how small your query treating you with respect and courtesy
-
NRMA seems to consider claims maintenance issues.
They seem to have strict conditions for a claim to be accepted. We had several claims knocked back since they were considered maintenance issues. For example, we had extensive leaking in one room which was caused by a waterproofing failure under the floorboards of a verandah. They considered it a maintenance issue. I guess we could tear up the floorboard every other year to check the waterproofing!
-
NRMA are a well established and excellent company
I like this insurance company die totheirexcellent customer service. Always willing to help customers and have a no claims bonus which is a great incentive
-
As a renter I recommend NRMA for contents cover.
NRMA have been good to deal with. They provide a good policy which covers my needs. Able to pay fortnightly for premiums is a bonus for me. I would recommend them for sure.
-
Helpful and supportive.
The insurer has been very helpful and supportive with our claim. Initially we had some difficulty with the customer service personnel but once we assigned a case manager who was interested in assisting our claim the repair process progressed smoothly.
NRMA Insurance products
Home insurance quick links
* 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.
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