Top Contents

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Top Contents<br />Insurance

All of our contents policies provides cover against a range of events including fire, theft, storm and more. However, with our Top Contents cover, you can enjoy a range of additional benefits. Get a quick contents insurance quote today.

Benefits of Top Cover Contents Insurance

  • Complete protection with additional benefits like cover for accidental damage, contents in transit and higher cover limits across your cover.
  • Save up to 10% when you buy a contents policy online.
  • Top contents insurance from only $1.33 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 sold worldwide.
From as little as $1.33 per day*
Quick cover guide

Cover for accidental damage

Accidental damage is a standard inclusion in our Top cover contents insurance. This means that when you take out Top cover, accidental damage is automatically included at no extra charge. Some insurers do not cover accidental damage at all, so this is another benefit on your Real Top Contents cover insurance.So we’ll cover you for damage unintentionally caused to your contents. For example, if you accidentally drop and smash your TV, you would be covered.

Cover for contents in transit

If you are moving to a new address in Australia, we will cover your contents whilst they are being moved for loss or damage caused by fire, or collision or overturning of the vehicle carrying them.

Higher cover limits

Some of the items protected on your policy have certain cover limits. These cover limits are higher on our Top Contents cover policy.

New for old replacement on most items

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

More choice

Select your excess amount and add optional covers to suit your budget and your needs.

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.

Peace of mind

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

Protection inside and out

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


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.

Complete protection
Our Top Contents cover offers more protection, with cover for accidental damage and higher benefits across a broad range of events.

Compare our contents insurance cover options.

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.

Accidental damage to contents

Our Top Contents cover includes accidental damage as standard.

Contents in transit while you are moving

Your contents are covered while you’re moving, with cover extending to both properties, and to damage occuring while in transit.

Contents outside your home 

Your outside furniture and BBQ are covered too.
Higher cover limits

Theft and malicious damage

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


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

Water damage 

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

Contents temporarily removed from your home

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

Contents in your home office

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

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.

Optional extras

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

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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