Essential
Contents
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Essential<br />Contents<br />Insurance

All of our contents policies cover you against a range of events including fire, theft, storm and more. However, with our Essential Contents cover, you can enjoy contents insurance at a more affordable price. Get a quick contents insurance quote today.

Benefits of Essential Cover Contents Insurance

  • Broad range of cover including cover for accidental glass breakage.
  • Save up to 10% when you buy a contents policy online.
  • Essential contents insurance from only $0.95 per day.*
  • Pay by the month at no extra charge, or pay annually, whatever suits you.
  • Benefit from effortless claims with a 24 hour emergency line and your own personal claims agent located in Australia.
  • Your policy is backed by the Hollard Insurance Group, one of the world’s leading insurers, with more than 7.2 million policies worldwide.
From as little as $0.95 per day*
Quick cover guide

We've designed our contents insurance to give you maximum protection for peace of mind. You’ll benefit from the security of new for old replacement on most contents.

Cover for accidental glass breakage

For your peace of mind, we will cover the cost of replacing the glass of contents related items such as mirrors and fixed glass in furniture.
 Yes

New for old replacement on most items

If your contents are damaged or stolen, we'll replace them, new for old.
 Yes

Peace of mind

With clear and easy-to-read policy documents, you’ll know exactly what you’re covered for. 
 Yes

Effortless claims

Make a claim in minutes online 24 hours a day, or over the phone, with your own personal client manager to make things easy. 
 Yes

Protection inside and out

Your contents are covered when they are temporarily out of your home, are kept outside or in storage.
 Yes

More choice

Choose between our Essential and Top cover, select your excess amount and add optional covers to suit your budget and your needs.
 Yes
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.
Broad range of cover
We’ve created two levels of contents insurance cover to meet a range of needs and budgets. Our budget-friendly Essential cover covers you against a range of events including fire, theft, storm and damage.

Compare our Top and Essential contents cover

You're covered for a wide range of natural disasters and other events

We cover damage caused by fires, explosions, earthquakes, storms, rainwater damage, lightning, as well as riots, civil commotion or industrial unrest.
Yes

Accidental glass breakage cover

You are covered for accidental glass breakage as part of our Essential product. When your contents are insured, we will cover the cost of replacing the glass of contents related items such as mirrors and fixed glass in furniture.
Yes

Contents outside your home 

Your outside furniture and BBQ are covered too.
Yes

Theft and malicious damage

You’re covered for theft or malicious damage to your contents, including vandalism. 
 Yes

Impact

You’re covered for damage due to impact, whether it's a fallen tree or a car crashing into your house.
Yes

Water damage 

Cover for damage caused by the bursting, leaking, discharging or overflow of water.
Yes

Contents temporarily removed from your home

We’ll cover your belongings if they’re stolen from an approved location away from your home.
Yes

Contents in your home office

Your home office contents are part of your personal contents— no need for a separate policy.
Yes

Extra benefits for Strata Title property owners

As well as your general contents, we’ll cover fixtures that are owned by you, but that can’t be insured through your body corporate, as well as replacement of external locks if your keys are stolen and emergency accommodation if your home is unsafe.
Yes

Optional extras

Add Motor Burnout cover  and Personal Property Australia Wide cover for special items to your policy for extra cover. 
Yes

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.
Optional covers

Motor Burnout cover

You can extend cover under your contents policy by adding Motor Burnout cover for an additional premium.

Find out more about Motor Burnout cover

Personal Property Australia Wide

You can extend cover under your contents policy by adding Personal Property Australia Wide cover for an additional premium.

Find out more about Personal Property Australia Wide cover

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.

** 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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