Home Buildings and Contents Insurance

Forgot to lock up? A Help Company would cover you, even on the day you forgot to lock the door1

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Want to save up to 10%?

Buy your Home Buildings and Contents Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium14.

What's included

Even if you forget to lock up

  • Theft & vandalism
    We cover stolen items and damage 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.

  • Rebuilding your home
    We pay to repair or rebuild your home up to the insured amount if it’s damaged by a covered event.

  • Fire
    We cover loss and damage to your home and items caused by fire (including bushfire).

  • Emergency repairs
    If your home needs urgent repairs after a covered event, we’re here 24/7 to help keep you safe.

  • 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 home and items caused by liquid leaks3, like water from a burst pipe or oil from a broken heater.

  • Impact damage
    We pay for damage caused by impact from things like vehicles and trees5.

  • Demolition & removing debris
    If your home is damaged by a covered event, we pay6 to demolish and remove debris and damaged contents.

  • Liability for injury or damage
    We cover your legal liability in some situations if someone’s injured or their property’s damaged (up to $20m)8.

  • 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 home9.

  • Broken glass
    We cover accidentally broken glass and ceramic in your home's furniture and some permanent fixtures, like oven doors and toilets4.

  • Lightning
    We cover damage and power surges caused by lightning.

  • No excess for food spoilage
    If your fridge stops working after a covered event, we pay for spoiled food and prescription medicine7.

  • Visitors' belongings
    We cover your visitors' items (except money) if they're damaged by a covered event in your home (up to $2,500).

  • Plants, trees and shrubs
    We cover your plants, trees and shrubs if they’re damaged in a covered event10.

See more

Get our highest level of cover with an upgrade to Home Buildings and Contents Plus. Learn more about Home Buildings and Contents Plus, or read the PDS.

Not included

There are some things we don't cover

  • Animal damage
    We don’t cover damage by your animals, or animals you allow into your home.

  • Wear and tear
    We don't cover normal wear and tear that happens as you use your home or items.

Choose from these optional benefits

When you’re getting a quote

  • Accidental damage
    Add cover for damage to buildings, fixtures and your belongings from unintentional mishaps around your home11.

  • Valuable contents
    Increase your cover for some items in your home like art, jewellery and collectables.

  • Motor burnout
    Add cover for electric motor burnout12 in fixtures (like air con) and appliances (like washing machines), including parts and labour.

  • Portable contents
    Choose to cover items like glasses, jewellery, laptops and mobile phones when you take them outside your home13.

Some optional benefits are automatically included if you upgrade to Buildings and Contents Plus. Learn more about Home Buildings and Contents Plus, or read the PDS.

Want premium cover?

Choose Home Building and Contents Plus when you’re getting a quote.

Get a quote

Home Buildings and Contents Plus gives you:

  • A Safety Net of an extra 25% on top of your sum insured, if your home needs to be rebuilt or repaired
  • Plus 2 years’ temporary accommodation if you can’t live in your home, instead of 12 months with Buildings and Contents Insurance Standard
  • Plus higher limits on some inclusions, like food spoilage and landscaping.

Read our Product Disclosure Statement to see exactly what’s included. It’s just below.

Make sure to read our policy booklets

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.

Renting your place on Airbnb or Stayz?

Check out Holiday Rental cover

With over 90 years' experience, we know how to protect the things you care about

Do you know how much it would cost to rebuild your home and replace the things in it?

Use our calculators

Save up to 10%14 on your first year when you get home insurance online

Get a quote

Call us on 131 123 to make a claim 24/7

Learn about claims

Home Buildings and Contents Insurance FAQs

What's Accidental damage cover in my home insurance policy?

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 Buildings and Contents Standard policy. Or, if you upgrade to Buildings and Contents Plus, it’s automatically included.

What’s the difference between General, Valuable and Portable contents?

General contents are items you keep in and around your home that aren’t permanently attached or fixed to the home’s structure, for example 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:

  • Works of art
  • Collections
  • Jewellery and watches

Items in your home within these three categories can be insured for higher amounts, if you choose 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 choose Portable contents as an optional benefit.

Can I choose my own repairer for my home repairs?

Yes, you can choose who repairs your home.

If you decide to use one of our Partner Repairers, and we authorise the work, we give a lifetime guarantee on the workmanship of the repairs. We can also assist in managing the repairer throughout the repair on timeframes and quality, and we can pay the repairer directly.

If you choose your own repairer that has not been authorised by us, we will pay any claim amounts directly to you rather than to the repairer.

We'll only pay you the fair and reasonable amount that the repairs should cost.

How will my claim for contents items be settled?

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.

I'm placing some contents items in storage, how do I ensure that my items are covered?

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.

Valuable contents are not covered while in storage.

Read the PDS for information on items not covered while in storage.

Can I insure for more than your online building and contents calculators say?

Yes you can.

The calculation guide that's provided is a guide only. It's up to you to make sure your home and contents are insured for their full replacement value.

However, if you insure your home or contents for more than the cost to repair, replace or rebuild, we only pay the actual cost of repairing, replacing or rebuilding.

Where does NRMA Insurance operate in Australia?

We operate in New South Wales, Queensland, Tasmania, the Australian Capital Territory, Western Australia, South Australia and the Northern Territory.

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If you need help, you can talk to us. Call 132 132

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Things you should know

  1. 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 Building Insurance or Contents Insurance and you choose to do so, you won’t be covered for loss or damage to your home (under Building insurance) or contents (under Contents Insurance) caused by flood, rainwater run-off or storm surge.

  2. If you’re renting the home, we pay the reasonable extra rent costs for temporary accommodation. If you own and live in your home, we cover the reasonable costs of temporary accommodation. As long as you were living in the damaged home permanently before the incident, we pay for accommodation for up to a year for the Home Buildings and Contents Standard policy (or up to two years if you have a Home Buildings and Contents Plus policy), or when your home is repaired or replaced (whichever is first). We pay your temporary accommodation costs up to 10% of your sum insured for Home Buildings and Contents Standard policies, and up to 20% for Home Buildings and Contents Plus. We need to be satisfied your home is unliveable and we need to agree to the cost before you make arrangements.

  3. 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.

  4. We don't cover broken glass in televisions, radios, or computer equipment unless you choose to add Accidental damage cover. Or, it’s automatically included if you have Home Buildings and Contents Plus.

  5. We don't cover loss or damage caused by tree cutting, lopping or felling, unless it was performed by a professional.

  6. We pay up to 10% of the Building sum insured and up to 10% of the General Contents sum insured for this additional benefit.

  7. We pay up to $500 for Buildings and Contents Standard, or up to $2,000 with Buildings and Contents Plus.

  8. Cover applies if the incident happens at your home (under Buildings insurance), and away from your home but still in Australia (under Contents insurance).

  9. Cover applies at your current and new home for up to 14 days from when you start moving, so long as you give us details of your new home within this time.

  10. Pot plants, lawns and commercially grown plants, trees and shrubs are not covered. We pay up to $1,500 for Buildings and Contents Standard and up to $3,000 for Buildings and Contents Plus.

  11. We don't cover fishing equipment, sporting equipment, musical instruments or firearms while they're in use.

  12. 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.

  13. 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.

  14. 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.

  15. Policy limits, conditions & exclusions apply. Always read the PDS & TMDs from NRMA Insurance at nrma.com.au.