Home insurance

Save up to 10% on your first year of eligible home insurance with our online discount3

Choose how you pay

Pick the payment option that best suits your needs. Pay fortnightly, monthly, quarterly or annually at no extra cost1.

Compare home insurance

We can cover the cost to repair or rebuild if your home is damaged or destroyed by an incident we cover, up to the sum insured.

Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year.

Want more premium cover? Choose Home Buildings Plus when you get a quote.

We offer cover for items in your home, even if you accidentally leave a window or door unlocked.

Plus, you can add a portable contents option to cover items like laptops or jewellery that might get lost or stolen when you’re out and about.

For premium contents cover, choose Home Contents Plus when you’re getting a quote.

Protect your home inside and out with combined Buildings and Contents Insurance.

Your buildings and items will be covered for a range of incidents. Plus, we offer a lifetime guarantee on the workmanship of authorised repairs to your home.

And if you’re looking for our highest level of cover, choose Home Buildings & Contents Plus when you’re getting a quote.

Want premium cover?

Choose Home Buildings Plus, Home Contents Plus, or Home Buildings & Contents Plus when you get a quote. All our optional benefits – like Accidental Damage cover – are included. Plus, you can cover your home and contents for more than you can with our normal cover.

Protect your rental property, its contents, or both. We can cover rent default, as well as damage to your property from theft, vandalism, fire, storms and more.

Do you use platforms like Airbnb or Stayz to host guests for short-term stays? ShareCover2 can give you peace of mind.

ShareCover covers your house or apartment for things like accidental damage, theft and fire. Choose a policy for 6 or 12 months, or just for the nights you need it.

Protect your strata building and common contents. We can cover damage or loss caused by storms, fires or accidental damage.

You can also add cover for the breakdown of machinery you own in your property – including things like lifts and heaters.

Want to cover your favourite possessions, like your laptop, tablet or TV? Insurance4That lets you choose what to insure and how much to insure it for.

Whether you’re renting a home with your family, or living in a share house, our Home Contents Insurance offers cover to help protect the things which are important to you.  

You can also add a Portable Contents option to cover items like laptops, mobile phones, sporting equipment, glasses or jewellery that might be accidentally lost, stolen or damaged when you’re out and about.

Why choose NRMA Insurance?

  • With Home Buildings, Home Contents and Home Buildings & Contents, you're covered even if you accidentally leave a window or door unlocked in your home
  • Lifetime guarantee on the workmanship of authorised repairs to your home
  • With over 90 years of experience, we know how to protect the things you care about
  • We operate in NSW, QLD, TAS, ACT, WA, SA, and the NT.

Things you should know

  1. The option to pay in instalments is not available for policies in NSW, QLD, TAS or the ACT that were last renewed prior to 1 July 2024, or first purchased prior to 21 April 2024 and not yet renewed. It will become available to those policies when they next renew. Excludes travel and business insurance.

  2. ShareCover is issued by Insurance Australia Limited, ABN 11 000 016 722, AFS Licence No. 227681, trading as ShareCover Enterprises. ShareCover Enterprises isn’t related to Airbnb or Stayz. References to Airbnb or Stayz don’t mean we endorse those platforms (or that they endorse us).

  3. Some product exclusions apply. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount. Find out more about our online discount.