Essential home and contents insurance
An affordable home and contents insurance policy with great benefits and real cover.
Our Essential home and contents insurance cover provides cover against threats like fire, storm, flood and theft and a host of other threats not covered by other insurers. You'll also enjoy a number of additional benefits like lock replacement or damage to trees, plants or shrubs.
Essential home and contents insurance protects against:
- Theft;
- Fire and explosion;
- Earthquake;
- Lightning;
- Storm, rainwater and flood;
- Malicious damage, including vandalism;
- Impact, such as from a falling tree or a motor vehicle;
- Bursting, leaking, discharging or overflow of water or liquids;
- Riots, civil commotion or industrial unrest.
Additional Benefits of our essential home and contents insurance cover:
- Accidental breakage of glass;
- Your contents at both addresses while you are moving from one to the other;
- Contents temporarily removed from your home;
- Your contents whilst in approved storage;
- Damage to trees, plants and shrubs;
- Contents outside your home;
- Contents in your home office;
- Emergency accommodation, if you are unable to live in your home;
- The replacement of your locks;
- Your legal liability if you need to pay compensation to another party;
- Additional benefits for strata title property owners.
- Add on optional cover for an additional premium for motor burnout and food spoilage cover.
Want more from your home and contents insurance?
Then choose our
Top cover which protects you from accidental damage and gives you higher limits on most benefits. You can also add
optional covers like
motor burnout to either the Essential or Top policy.
Don't forget the
Real Bonus™
– Once you're with us for 3 years, we'll start giving you money back. If you haven't had a claim against any of your Real Insurance for 3 years in a row, we'll give you back 10% of all the premiums you have paid us during that time. And we'll keep doing it every 3 years you don't have a claim.
For complete details of Real Insurance Essential Home and Contents cover, please download our
Product Disclosure Statement (PDF, 1.38MB).