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.

Save up to 20% when you buy online1

Get a Quote in Minutes

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

Anita Buncic - Rated 5 out of 5

My cso was awesome

Customer review

Trusted Customer - Rated 5 out of 5

Great competitive price

Good fast service no hassle easy

Trusted Customer - Rated 4 out of 5

Easy process no hassle. website easy to navigate and most of all price

Great service

Trusted Customer - Rated 5 out of 5

Great service, explained everything well, responses were timely and friendly professional staff

Excellent service

Michelle Quinn - Rated 5 out of 5

Renato was very nice to talk to.

Customer review

Selladurai Sivapathasundaram - Rated 5 out of 5

It is easy to do online. customer service is good

They made the task easy

Leisa Buck - Rated 5 out of 5

Easy to deal with. fast response time. friendly

Customer review

Trusted Customer - Rated 5 out of 5

Very helpful and efficient

Customer review

Vadim Sobol - Rated 4 out of 5

Every thing was done with in 30 min online read product disclaimer, choose the policy needed. great

Customer review

Jitendrakumar Patel - Rated 5 out of 5

Yes definitely

Customer review

Trusted Customer - Rated 4 out of 5

All of my needs were met.

Customer review

Rosemary Fox - Rated 5 out of 5

Easy afordable easy to understand

Good service

Trusted Customer - Rated 5 out of 5

Service provision was polite and supportive


Trusted Customer - Rated 4 out of 5

Easy to speak to and pleasant staff

Fast and simple, matched my needs

Domenic Virgara - Rated 5 out of 5

Fast and simple. the insurance offered was exactly what i needed and the price was fair. the transaction was straight forward to execute as well.

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Customers rate us

Rated 4.2/5 from 45 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.