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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.

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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

Helpful

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.