Compare Home Insurance

At Real Insurance, we’re all about giving you real value – quality cover, a broad range of benefits, at an affordable price. But we know that no two customers are the same, so we have created a wide range of home and contents insurance products to suit a wide variety of needs.

If you are after a regular home and contents insurance policy, then you have the option to choose between our Top or Essential home and contents cover.

We understand that you might be renting your home and so might only need insurance for your contents, so you can customize your quote to only cover your contents.

Finally, our Landlords Protection Cover has been created for investment properties, so that you can have peace of mind that your investment is covered.

Compare our products here or get a home and contents online quote today.

Standard Policy Benefits Comparison Table
Standard benefits Top Home and Contents
$2.76 a day*
Essential Home and Contents
$2.07 a day*
Landlord's Protection Cover
$1.51 a day*
Online savings Yes Yes  
Save up to 20% when you buy online.
Pay by the month at no extra cost Yes Yes Yes
Pay your home and contents insurance in easy monthly instalments, without paying more.
14 day money-back guarantee Yes Yes Yes
Change your mind within 14 days without making a claim, and you can cancel your policy and get your money back, no questions asked.
A choice of excess Yes Yes Yes
Choose your own level of excess to keep premiums low.
Hassle free claims Yes Yes Yes
Make a claim in minutes online 24 hours a day or over the phone, with your own personal client manager to make things easy.
New for old replacement Yes Yes Yes
If possible, we'll usually replace your belongings with new ones if they're damaged in an accident or stolen.
Additional Policy Benefits Comparison Table
Additional benefits Top Home and Contents
$2.76 a day*
Essential Home and Contents
$2.07 a day*
Landlord's Protection Cover
$1.51 a day*
Theft Yes Yes Yes
Replacement of insured items stolen from inside your home.
Damage Yes Yes Yes
We'll replace items and repair damage caused by a fire or explosion, earthquake, lightning, storm and rainwater, the bursting, leaking, discharging or overflow of water, malicious damage, impact, riots, civil commotion or industrial unrest, and accidental breakage of glass.
Accidental damage Yes    
We'll pay for unintentional damage to your insured home or contents.
Contents while in approved storage Yes Yes  
Contact us about arranging cover for contents you plan to place in storage.
Contents outside your home Yes Yes Yes
Your BBQ and outdoor furniture are included in your policy, along with other items kept outside. We'll also replace plants and shrubs (that are in the ground), if they are stolen, burnt, maliciously damaged or damaged by a vehicle.
Contents in your home office Yes Yes  
We include the contents of your home office in your personal contents — no need for a separate policy.
Emergency accommodation Yes Yes  
If it's not safe for you to stay in your home, we'll pay for temporary accommodation for you and your family while your home is being repaired or rebuilt. This is in addition to the total sum insured for your home.
Replacement of locks Yes Yes  
If the keys to an external door are stolen, we'll replace the locks once your theft claim is approved.
Legal liability Yes Yes Yes
If you're sued for negligence or damage, you're covered for homeowners liability (home and contents policies) or personal liability (contents only policies).

Please note: This is a summary of our home and contents insurance policy features and benefits. For full details and to decide which cover is right for you, you must read our Product Disclosure Statement.

Make the switch today

Looking for a new home? Download the Real Insurance FREE Home Buyers’ Guide. This step-by-step resource takes confusion out of home buying, with helpful checklists and practical tips to help you find, finance and protect your dream home.

† This is a first year offer only and valid for new home or contents insurance policies bought online which will receive up to a 10% discount 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.

* Price based on the average per day cost of our Top and Essential Cover home and contents and Landlord’s Cover insurance policies.

** 8.5 from 10 of respondents surveyed rated a 6 or 7 out of a possible 7 points when asked to rate the statement “Use plain, simple language in all our dealings with you”. Final figure is rounded and based on Real Insurance customer surveys in Jan 2013.

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Great Customer Service, that’s what it boils down to. A real human being who can say ‘is everyone ok’ during a claim and calls us back to keep us up to date. That’s the difference! Your products are great but your people are outstanding!”

Dave Real Insurance customer

“I was unfortunate to have a significant flood at my home in early November. From the moment I was contacted my worries and stress levels disappeared thanks to the wonderful team that repaired my home. I know a lot of people would just think that’s what they pay insurance for, however I feel I need to pass on my gratitude.”

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"The 2 most important things for me with an insurance company is saving money and keeping the price down, but also if there is a problem, fixing it very quickly and Real Insurance have done both for me."

Paul Home Insurance customer

"When I dealt with Real Insurance and I got a quote for my house and contents I saved about $250, which was excellent. I wasn't compromising any service."

Dane Home Insurance customer

"I had some severe storm damage to my roof and I had to make a claim. I picked up the phone and called Real Insurance. They made it so easy."

Shirlena Home Insurance customer

"By switching to Real Insurance I've saved over $600 on 3 policies. Getting a quote online through Real was very easy, quick and efficient."

Ian Home Insurance customer

"By switching to Real Insurance I've saved over $300. That means a lot to me. I recommend Real Insurance to all people that I come in contact with."

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