Top cover home and contents insurance
Top home and contents insurance benefits include:
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Buy online and save up to 20%†
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Top home & contents insurance from only $2.76 per day*
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Cover against fire, storm, theft and more
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24/7 paperless claims
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Flexible cover where you can choose your own level of excess and optional cover
Top Home and Contents insurance protects you against the following:
- 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.
*For flood claims, we will pay for your home, to a maximum of $15,000 and/or your contents up to 25% of the contents sum insured or $15,000 (whichever is the lesser).
Real Insurance is not like other insurance companies. In addition to protecting your home and contents from the threats outlined above, we give you many additional benefits that provide more complete cover than other insurance companies:
- Accidental damage to your home or contents in your home;
- Contents in transit whilst you are moving;
- 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.
You have the option to
add optional cover for accidental loss and damage to eligible
contents anywhere in Australia or for
motor burnout and food spoilage.
Ensure you read the Product Disclosure Statement for full details on our home and contents insurance policies.
† Offer only valid for new home or contents insurance policies bought online which will receive a discount of up to 10% off the premium. Purchase a combined home and contents insurance multi-policy online to receive a further discount of up to 10% off the undiscounted premium.
*Prices are based on the average per day cost of our Top Cover home & insurance policies.