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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

Trusted Customer - Rated 4 out of 5

Reviewed my policy and gave me a better price

Mark offered great service.

Winifred Martin - Rated 5 out of 5

I found mark to be friendly but professional. he listened to what i had to say and fixed the problem quickly and efficiently.

Customer review

Trusted Customer - Rated 4 out of 5

This is our 2nd policy ...very competitive rate

They are here to help

Jeffrey Vera - Rated 4 out of 5

Becausr it was easy to follow my change of policy

Customer review

Balasingam Sathananthan - Rated 4 out of 5

Reasonable pricing and helpful service.

Customer review

Gordon Walker - Rated 4 out of 5

Very courteous and efficient thankyou

Customer review

Alexander Morrison - Rated 5 out of 5

Great service

Customer review

Trusted Customer - Rated 4 out of 5

Real's staff are friendly and professional. however i was disappointed in the proposed increase in premiums over the previous year, even with no increases in the sum assured.

Customer review

Trusted Customer - Rated 5 out of 5

Best service i've had from any insurance company... am moving all my insurances to real

Customer review

Vicki Platt - Rated 4 out of 5

Very good & very helpful

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

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Customers rate us

Rated 4.3/5 from 109 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.