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Top Home & Contents Insurance

This policy offers the best cover against a range of events, including accidental damage. With higher benefits and broader coverage, Top cover gives you the confidence of knowing your most important assets are covered.

See how much you could save

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What’s covered

  • Accidental damage at no extra charge and covers you against damage unintentionally caused to your home
  • Coverage for a wide range of natural disasters and other events
  • Protection against theft or malicious damage to your contents, including vandalism
  • Cover for damage caused by the bursting, leaking or overflow of water
  • Cover for damage due to impact, whether it is a falling tree or a car crashing into your house
  • New for old replacement on most items if your contents are damaged or stolen
  • Transit cover for contents whilst they are being moved against loss or damage caused by fire, or collision or overturning of the vehicle carrying them
  • Coverage for contents outside of 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 (higher cover limits apply)
  • 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?

  • 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

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

Easy and straight forward

Pam - Rated 5 out of 5

I purchased my insurance cover online and found it very easy and straight forward. when my policy came through via e-mail it was very easy to understand also.

Customer review

Carol Setter - Rated 4 out of 5

Very friendly and professional

Customer review

S Jag Liyanawaduge - Rated 4 out of 5

Great service.

Customer review

Willa De Freitas - Rated 5 out of 5

Quick and easy to change address via phone.

Customer review

Malcolm Barnes - Rated 5 out of 5

By far best rates

Everything went to plan

Gregory Banks - Rated 5 out of 5

They did what i wanted. i would recommend them to my friends.

Recommended

Trusted Customer - Rated 5 out of 5

Quick, easy and pleasant service

Excellent service

Lynette Heath - Rated 5 out of 5

Very easy to get quote and fast service

Customer review

Ramy Izzat - Rated 5 out of 5

Good price great service

Customer review

Trusted Customer - Rated 5 out of 5

Really good reviews

Happy customer

Trusted Customer - Rated 4 out of 5

Yes

As above

Irmgard Denk - Rated 4 out of 5

Yes i will buy again and would recommend to others. your attendant was patient and explained everything clearly in language i could understand as i do have slight hearing issues. all good.

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Customers rate us

Rated 4.3/5 from 82 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.