Home and Contents Insurance Essential Cover

Looking for an affordable home and contents insurance policy that still gives you real cover? Then Essential cover is for you.

With Essential cover you're covered 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 and shrubs.

Make sure you check our most comprehensive plan - Top cover - and see which best suits you.

Compare Essential and Top cover to see which is best for you.

With Essential Home and Contents cover you'll enjoy real protection against the following major threats:

• 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

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 the other guys:

• 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.

Want more? Then choose our Top cover which protects your from accidental damage and gives you higher limits on most benefits. You can also add motor burnout and food spoilage cover to either the Essential or Top policy.

For complete details of Real Insurance Essential Home and Contents cover, please download our Product Disclosure Statement. Don't know which cover best suits your needs? Compare our Top and Essential covers.