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Top Home and Contents Insurance

Save up to 20% when you buy a combined Home & Contents policy online1

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Rated 4.3/5 from 114 Reviews

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Top Home & Contents Insurance

When you take out our Top Home and Contents Insurance, you benefit from higher cover limits across your cover.

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.

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For full details and to decide which cover is right for you, you must read our Product Disclosure Statement

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 and Portable Valuables cover

General Insurance Code of Practice Subscriber

To make sure you receive the highest standard of service when taking out cover, we comply with the General Insurance Code of Practice.

Need Help Deciding?

Optional Extras

Extend your protection by including optional extras for your cover.

Compare Home Insurance

Not sure which home insurance is right for you? Compare our insurance policies or find out more about our Home Insurance products.

Real Insurance, Real Easy

We are pleased to offer our customers flexible payment options for our Top Home and Contents Insurance cover.

And, in the event that you need to make a claim, our claims lodgement and emergency assistance centre are happy to help. Our claims team is available 24 hours a day, seven days a week on 13 19 48.

Make a Claim Call 13 19 48.

Why Choose Real Insurance?

  •  
    Save up to 20% when you buy a combined home and contents policy online1
  •  
    Choose your level of excess to adjust your premiums
  •  
    Flexible payment options
  •  
    24/7 claims lodgement and emergency assistance
  •  
    Real Insurance is a multi-award winning insurance company

Award Winning Insurer

At Real Insurance we pride ourselves on providing the best service and value for our customers

  • Gold Trusted Service Award logo from Feefo
    Gold Trusted Service Award 2019, 2018, 2017
    – Feefo
  • Quality Service Award from Reader’s Digest
    Gold Quality Service Award 2019
    – Reader’s Digest
  • Exceptional Value Car Insurance Award from Mozo
    Exceptional Value Car Insurance Award 2018
    – Mozo
  • Customer Satisfaction Award from Roy Morgan
    Customer Satisfaction Award 2017, 2015, 2013, 2012
    – Roy Morgan
 

See how much you could save

Call us Call 13 19 48

Other Commonly Asked Questions

Do I have to fill out forms to make a claim?

You can lodge a claim online through our Claims Centre.

Alternatively, you can call our claims team on 13 19 48, 24 hours a day, seven days a week.

What is an excess?

An excess is the amount(s) of money you pay or must contribute towards the cost of any claim. All excess amounts relevant to your cover will be shown on your Certificate of Insurance. When you take out home insurance with Real Insurance, you can nominate the level of excess you want.

Additional or fixed excesses may apply in certain situations, and these are detailed in the Product Disclosure Statement.

Can I change my home and/or contents insurance excess?

You can increase your level of excess at any time during your home and/or contents insurance policy period. However, you can only decrease your excess when renewing your policy or during the 14 day cooling off period if you have not made a claim.

How do I find out how much my home insurance excess is?

You can find your nominated level of excess on your home and/or contents Certificate of Insurance, sent to you when you took out your policy with Real Insurance, or when your policy renewed. If you can’t find these documents, please call us on 13 19 48 to find out your excess amount/s.

How does the excess amount affect the premium I pay?

The excess is the amount you contribute towards a claim, therefore, if you are willing to contribute more at the time of a claim (higher excess) you will generally have a lower premium during the policy period.

How do I know how much I should insure my home for?

We can only provide general advice about your home and contents insurance; we can’t provide you with advice about the replacement cost of your home. When considering the sum insured for your home insurance, this amount should cover the full cost to rebuild your home including the cost of structural improvements such as carports, fences and pools and clearing debris from the land in the event of a total loss, however, the sum insured should not include land value.

You should also consider increased building costs to meet stringent and Local Council building requirements. If you are unsure of the replacement cost, a builder or architect may be able to assist you or we strongly recommend you use a home building calculator.

Do I need to know the measurements for my house?

No, we do not need to know the exact measurements of your home. Some examples of the things we need to know about your home are:

  • The address and age of the building
  • The construction type and roofing materials (for example, brick, cladding, tile)
  • The security measures in the home (for example, alarms and deadlocks)

Why don’t you offer an ‘unlimited’ building sum insured?

Real Insurance lets you choose your own sum insured for your home and contents insurance. This way, you have peace of mind knowing that you are covered for the amount you think you’ll need if you suffer a total loss of your home. There is no advantage in being over-insured and paying a higher premium because of this.

How do I know how much to insure my contents for? I don’t know how much they would cost to replace.

We strongly recommend the use of a Contents Calculator to determine an appropriate sum for your needs.

We are unable to provide you advice on an appropriate sum and rely on you to assess the amount of coverage you require.

Your contents sum insured should include items such as your carpet, blinds, curtains, personal items, furniture and household goods. Items of value which can be individually listed on your Certificate of Insurance such as jewellery or artworks should also be included in the overall sum insured. Estimating the cost can be difficult so being aware of the replacement cost of items through advertisements and magazines can be helpful.

Why do I need to list certain items on my policy?

Certain items such as valuables, collectibles and media have limits of cover inside the home. If you would like to be covered for the full amount you will need to tell us and list these on your Certificate of Insurance. You will need to provide proof of the value of the item at the time of a claim.

How can I pay for my home and/or contents insurance policy?

You can pay by direct debit from a credit card or bank account. We’ll set up an automatic payment schedule for you so you don’t need to worry about missing a payment.

How can I reduce my home and/or insurance premium?

You can reduce your home and contents premium by choosing a higher excess. Remember though, that while your premium will be cheaper, you will have to pay a higher excess if you need to make a claim.

I’ve just received my renewal documentation. What do I need to do?

One of the great things about having insurance with Real Insurance is our no-fuss automatic renewals. So when you receive your insurance renewal documents, you must read over the details and check that everything is correct. If nothing has changed, then you can just relax while your policy renews automatically. You only need to call us on 13 19 48 if you need to make changes to your policy or details, or you do not wish to renew with us.

What payment frequencies do you have?

You can pay your home and/or contents insurance (as well as car insurance) premiums by the month or you can pay less by electing to pay annually.

Can I delay my monthly home and contents insurance payment?

We are unable to delay payments, however, if one of your payments is unsuccessful, you have 30 days from your payment due date to make the payment before your policy is cancelled. If your policy is being renewed and your payment is unsuccessful, you will have 14 days from your payment due date to make this payment.

How do I change my details on my home and/or contents insurance policy?

If you have moved, need to increase your sum insured, or advise us of any other changes to your details, then please call us on 13 19 48. We don’t charge any administration fees to make these changes.

Please keep in mind that your home or contents insurance premium may go up or down, depending on the change you need to make.

You can also login to your Home Insurance Account to:

  • Access your policies.
  • View your Certificates of Insurance.
  • Update your contact details and payment information.

I have lost my home and/or contents insurance documents, how do I get replacement documents?

If you’ve lost your home Certificate of Insurance or Product Disclosure Statement, simply call us on 13 19 48, and we’ll email, fax or post copies of your documents to you. You can also download the Product Disclosure Statement directly from our web site, or a copy of your Certificate of Insurance by logging into your Home Insurance Account.

My financier needs a Certificate of Currency, what do I do?

If your financier needs a copy of your Certificate of Currency, call us on 13 19 48, and we’ll arrange to email or post a copy to them. Please have your financier’s contact details ready when you call.

What information will I need to get a home and/or contents insurance quote?

Learn about what information you will need to provide for a quote with our Home Insurance Quote Guide.

What is Strata Title?

Strata Title is a title based on dividing the site into lots with separate titles. The most common application of Strata Title is for units; but it is also used for complexes with a number of duplexes and villas.

Other Home Insurance Products

 

Looking for Home and Contents insurance cover at a more competitive price Essential Home and Contents Insurance

 

Cover your investment property with a policy specially designed for landlords Landlords Insurance

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Read what our customers are saying

Customer review

Deidre Peacock - Rated 5 out of 5

Very efficient

Customer review

Trusted Customer - Rated 4 out of 5

Very helpful and quick response to problem solving.

Customer review

Trusted Customer - Rated 3 out of 5

The phone consultant was friendly helpful and patient. i am used to dealing with real now and know some time is involved, but having an operator i can understand, and who was also positive and had a ‘let’s do this’...

Without a hitch

Ann Kinsella - Rated 5 out of 5

I was able to transfer my insurance from a victoria to south australia without a hitch. thank you

Excellent value for money

Trusted Customer - Rated 5 out of 5

Excellent value for money and coverage

Customer review

Fae Nicholas - Rated 5 out of 5

Very good service. easy to deal with and very pleasant staff who went over anything excellently.

Best insurance company that offers best price,...

Maurice Patti - Rated 5 out of 5

Best price, service and policy available of all insurance companies i researched.

Customer review

Trusted Customer - Rated 4 out of 5

Easy to communicate with

Customer review

Peter Griffiths - Rated 1 out of 5

Excellent service when i eventually got thru to someone who wanted to help rather than just go system step by step

Disgusting

Ethan Peak - Rated 1 out of 5

Service was shocking as customer for many years i’m about to pull all my policy’s away from real in the coming day

Customer review

Trusted Customer - Rated 5 out of 5

Staff is very pleasant and helpful.

Customer review

Jacob Pihlgren - Rated 5 out of 5

Great communication and service

Easy

Trusted Customer - Rated 5 out of 5

It was simple and straightforward to apply for my contents insurance

Amaazing price, difficult to reach.

Lee - Rated 4 out of 5

The call centre was closed both times i tried to call (even during business hours in gmt+8 wa). there was no online chat.

Customer review

Penelope Van Vessem - Rated 4 out of 5

Friendly service who helped with the set up of a new insurance policy quickly and efficiently.

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Customers rate us

Rated 4.3/5 from 114 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.