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

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.

Great value compared to other insurers

Trusted Customer - Rated 5 out of 5

Initially great, but the promised follow up phone call at a set time and date did not occur.

Customer review

Valerie Konya - Rated 5 out of 5

The telephone contact is very good (=experienced cso's); the website for quote is clearly set out (what you are covered for; what is included or extra) i.e. dos not try to trick you; short but meaningful...

Customer review

Claire Smith - Rated 5 out of 5

They are easy to deal with and offer very competitive terms. you can pay by the month at no extra cost. you can call to amend something and they are very helpful.

Customer review

Christine Simmons - Rated 5 out of 5

Quick easy and a good price.

Customer review

Trusted Customer - Rated 5 out of 5

I changed my policies online and then called up to cancel previous policies - the young man on the phone was so nice and i wish i had remembered his name - nothing was any trouble for him and it was very satisfying...

Customer review

Vincenzo Curro - Rated 5 out of 5

Excellent service, what else is there to say. this is our second policy purchase with real insurance. great response time and no complicated number dialing, to speak to a human.

Customer review

Trusted Customer - Rated 4 out of 5

Responsive, priced well

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Customers rate us

Rated 4.2/5 from 37 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.