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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.

Save up to 20% when you buy online1

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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 and pay by the month at no extra cost
  • 24/7 claims lodgement and emergency assistance

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.