Even if you forget to lock up
Theft & vandalism
We cover stolen items and damage to your items from robbery and vandalism, including stolen keys.
Flood, storm & storm surge
We cover loss or damage to your home and items caused by flood, rainwater run-off, storm, storm surge and tsunami1.
Damage to landlord's property
If you’re renting, we cover your liability in some situations for damage to your landlord’s property.
Fire
We cover loss and damage to your items caused by fire (including bushfire).
Temporary accommodation
If your home can't be lived in after a covered event, we pay for temporary accommodation2.
Damage from leaks
We cover damage to your items caused by liquid leaks3, like water from a burst pipe or oil from a broken heater.
Broken glass
We cover accidentally broken glass and ceramic in your home's furniture4.
Lightning
We cover damage to your items and power surges caused by lightning.
Liability for injury or damage
We cover legal liability in some situations if you injure someone or damage property away from your home7 (up to $20m).
Moving to a new home
We cover items being moved to your new home if they're damaged by certain events while in transit. We also cover your items for up to 14 days in your new home8.
Impact damage
We pay for damage to your items caused by impact from things like vehicles and trees5.
No excess for food spoilage
If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine6.
Visitors' belongings
We cover your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).
Get our highest level of cover with an upgrade to Contents Plus. Learn more about Contents Plus, or read the Product Disclosure Statement (PDS) for more information.
There are some things we don't cover
Outdoor plants & trees
We don't cover things that grow in the ground at your home (like your lawn, plants and trees).
Permanent fixtures
Unless your home is part of a strata scheme, we don't cover things you own that are permanently attached to your home, see Buildings and Contents for that.
When you're getting a quote
Accidental damage
Add cover for damage to your items from unintentional mishaps in your home9.
Valuable contents
Increase your cover for some items in your home like art, jewellery and collectables.
Some optional benefits are automatically included if you upgrade to Contents Plus. Learn more about Contents Plus, or read the PDS.
Choose Home Contents Plus when you're getting a quote.
Read our Product Disclosure Statement to see exactly what’s included. It’s just below.
They’ll give you full details on limits, conditions, exclusions and more
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
Accidental damage cover protects you when things go wrong around your home.
For example, you'd be covered if your child accidentally knocked your TV over and broke the screen. Or if you accidentally put your foot through the ceiling while up in the roof. Whether your building or contents are covered (or both) depends on your policy.
Accidental damage cover can be added as an optional benefit to your Contents Standard policy. Or, if you upgrade to Contents Plus, it is automatically included.
General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, like furniture.
Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 in total for all items in each of these categories:
Items in your home within these three categories can be insured for higher amounts, if you take out Valuable contents as an optional benefit.
Portable contents are items that you or your family own that you can take outside of your home. You're only covered for these if you take out Portable contents as an optional benefit.
This depends on the types of items that you're claiming for.
Contents items such as electrical items are generally referred to a specialist supplier that can assist in the replacement process.
Sometimes we can choose to settle your claim with a store credit or cash settlement and where possible, repair or restore content items.
General contents held in storage can be covered under our Home Insurance policy if you inform us before moving your items into storage and if our acceptance criteria are met.
Refer to the Product Disclosure Statement for information on items not covered while in storage.
Please note that Valuable Contents are not covered while in storage.
If you live in a share house you can either take out a policy as a group and all be listed on the policy, or you can take out your own policy.
We can only provide cover for the contents that are owned by the people that are listed on the policy. The amount you want to insure for should represent those items.
We operate in New South Wales, Queensland, Tasmania, the Australian Capital Territory, Western Australia, South Australia and the Northern Territory.
We don’t cover actions of the sea, such as tides and waves. Check the PDS for a full list of exclusions. For insured properties in NSW, ACT or Tasmania, if we give you the option to remove cover for flood, rainwater run-off and storm surge from your Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your contents caused by flood, rainwater run-off or storm surge.
If you have Contents Insurance, and you're renting the home (a tenant), we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home (and it's part of a strata or similar scheme), we cover the reasonable costs of temporary accommodation. If you have Building Insurance with NRMA Insurance, and you own and live in your home, we cover the costs for temporary accommodation that we agree are reasonable and appropriate for you. Additional limits, exclusions and conditions apply. Check the PDS.
We don’t cover damage caused by water leaking or escaping from a shower recess or shower base. We don’t cover loss from erosion or other earth movements. We don’t cover the costs to repair or replace the item that the liquid leaked or escaped from.
We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental damage cover to your Home Contents Standard policy. Or, it's automatically included if you have Home Contents Plus.
We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.
We pay up to $500 for Contents Standard, and up to $2,000 for Contents Plus.
Cover applies if the incident happens away from your home but still in Australia.
Cover applies at your current and new home for up to 14 days from when you start moving, as long as you give us details of your new home within this time.
We don’t cover fishing equipment, sporting equipment, musical instruments or firearms while they’re in use.
We can cover motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.
Portable items are covered for loss, theft and accidental damage. We cover up to $10,000 for each item unless you list it separately for more. There are other limits for items taken outside Australia or New Zealand, check the PDS. We don’t cover scratches and dents or items being cleaned or repaired. We don’t cover fishing equipment, sporting equipment, drones, musical instruments or firearms while they’re in use. We don’t cover bicycles while they’re being used in a competitive race or time trial.
See the full details of the online discount. 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.
