Home and Contents Insurance Top Cover

Real cover, real benefits and real peace of mind - that's what you get with Top home and contents insurance. A policy that offers all the benefits of Essential cover as well as extra cover for accidental damage and higher limits on all the great benefits you get with Essential.

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

Top Home and Contents cover 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.

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 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 also have the option to add cover for accidental loss and damage to eligible contents anywhere in Australia or for motor burnout and food spoilage.

For complete details of Real Insurance Top 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.