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Essential Home & Contents Insurance

While all of our home and contents policies protect against a range of events including fire, theft, storm and more, Essential cover delivers peace of mind at a more affordable price.

Save up to 20% when you buy online1

Get a Quote & Buy Online

What’s covered

  • Accidental glass breakage cover such as window glass, shower screens, basins and toilets, mirrors and fixed glass in furniture
  • Coverage for a wide range of natural disasters and other events
  • Protection against theft or malicious damage to your contents, including vandalism
  • New for old replacement on most items if your contents are damaged or stolen
  • Coverage for contents outside of your home
  • Cover for damage due to impact, whether it's a fallen tree or a car crashing into your house
  • Cover for damage caused by bursting, leaking, discharging or overflow of water.
  • Cover for your belongings if they’re stolen from an approved location away from your home
  • Strata fixtures that are owned by you, but that can’t be insured through your body corporate
  • We'll replace external locks if your keys are stolen
  • We'll arrange emergency accommodation if your home is unsafe
  • Contents in your home office — no need for a separate policy
  • Add optional extras, including Electrical Motor Burnout cover 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.

On average $1.60 per day2

Get a Quote & Buy Online

Why choose Real Insurance?

  • Select your excess amount and add optional covers to suit your needs. The higher the excess the lower the premium and vice versa.
  • Save up to 20% when you buy a combined home and contents policy online1
  • Flexible payment options and pay by the month at no extra cost
  • Claims team located in Australia, with 24/7 assistance available for emergency claims

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


  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.
  2. This refers to the price our customers paid on average per day for our products.

    Dollar figure based on an average per day cost of what our customers paid for this insurance purchased in the preceding three month period, updated quarterly. Actual amount payable by you will vary depending on your circumstances including, cover purchased, sum insured, excess chosen, risk factors including location, claim history and security features.