What’s covered

  • Accidental damage at no extra charge and covers you against damage unintentionally caused to your contents
  • Coverage for a wide range of natural disasters and other events
  • New for old replacement on most items if your contents are damaged or stolen
  • Coverage for outdoor contents at your home (higher cover limits apply)
  • Transit cover for contents whilst they are being moved against loss or damage caused by fire, collision or overturning of the vehicle carrying them
  • Protection against theft or malicious damage to your contents, including vandalism
  • Cover for damage caused by the bursting, leaking or overflow of water
  • Contents in your home office – no need for a separate policy (higher cover limits apply)
  • Add optional extras, including Electrical Motor Burnout and Portable Valuables 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.

See how much you could save

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Why choose Real Insurance?

  • When you take out Top cover home and contents insurance, you benefit from higher cover limits across your cover
  • You are always covered for accidental damage – some insurers do not cover accidental damage at all
  • Save up to 20% when you buy a combined home and contents policy online1
  • Choose your level of excess to help keep premiums low
  • Flexible payment options
  • 24/7 claims lodgement and emergency assistance

Make the switch today. Call us on 13 19 48 or Get a Quote & Buy Online.

Read what our customers are saying

Customer review

Trusted Customer - Rated 5 out of 5

Great customer service!!!

Customer review

Isabel Galante - Rated 5 out of 5

Very helpful customer service

Quick, simple and good value

Trusted Customer - Rated 5 out of 5

Very quick and easy and information was clear

Customer review

Peter Bitossi - Rated 4 out of 5

Good, no fuss well explained cheaper than previous policy

Customer review

Jax Hay - Rated 5 out of 5

I have had great customer service from real insurance every time i have needed to contact them. i love the low rates for premium cover and the fast simple way of signing up or changing details. i cannot comment on...

Customer review

Trusted Customer - Rated 4 out of 5

Customer service staff are always helpful and polite

Customer review

Peter Berry - Rated 4 out of 5

Very pleased with result

Customer review

Stephen Herfort - Rated 5 out of 5

Very good service

Customer review

Trusted Customer - Rated 5 out of 5

Easy to follow steps for on line purchase of house and car insurance with competitive rates.

Have car insurance cover & now household contents

Ken Rasmussen - Rated 5 out of 5

Very professional

Customer review

Stewart Hudgson - Rated 4 out of 5

It was very easy to do online and very reasonably priced.

Happy customer

Trusted Customer - Rated 4 out of 5

I liked how easy it was to organise my 4 insurance policies

Customer review

Samara Richmond - Rated 5 out of 5

Great communication over the phone very friendly and personable


Trusted Customer - Rated 5 out of 5

Very helpful & polite staff

Customer review

Shane Farrell - Rated 4 out of 5

Very good and friendly

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Customers rate us

Rated 4.3/5 from 96 Reviews

  1. 10% saving for online applicants for all new Home/Contents policies, savings in first year only. Additional 10% for a combined Home/Contents policy. Minimum premiums may reduce savings discount.