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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.

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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.


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
  • 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 4 out of 5

Good customer service

The real deal

Trusted Customer - Rated 5 out of 5

Real insurance are always very helpful on the phone to address my needs. great customer service today as always.

Customer review

Steve Boston - Rated 5 out of 5

Wanted to .

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

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Customers rate us

Rated 4.3/5 from 99 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.