NRMA Home Insurance

Thinking about NRMA Home Insurance? See if they're right for you.

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If you’re in the market for home and contents insurance, NRMA Home Insurance offers the following options: NRMA Home Buildings Insurance, NRMA Home Plus Buildings Insurance, NRMA Home Contents Insurance and NRMA Home Plus Contents Insurance. Home and contents insurance is designed to provide cover when your home or possessions are damaged or destroyed by a wide range of risks, including everything from fire and storms to theft and malicious acts.

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What cover options does NRMA Home Insurance offer?

NRMA Home Buildings Insurance

This policy allows you to set the maximum level of cover for damage or loss to your building. It provides cover against fire and explosion, flood, storm, accidental breakage, lightning, theft and burglary, malicious damage and more. When you are legally liable for causing damage or injury to someone else or their property, up to $20 million of liability cover is also included.

This NRMA Home Insurance policy provides protection against damage or total loss caused to your building by:

  • Fire and explosion
  • Flood
  • Storm
  • Accidental breakage
  • Earthquake
  • Lighting
  • Theft and burglary
  • Malicious acts
  • Vandalism
  • Impacts
  • Escape of liquid.
Removal of debris and alternative accommodation costs are also covered, while $20 million of liability cover offers a nice safety net. A lifetime workmanship guarantee is offered for authorised repairs and rebuilding.

NRMA Home Plus Buildings Insurance

This policy offers the same cover as the Home Buildings Insurance policy but to a much higher level. It features a safety net of up to 25% of the sum insured to cover extra expenses if your home costs more to repair than expected. Up to $2,000 of cover is also included for your plants, trees and shrubs.

This NRMA Home Insurance policy offers all the features of the Home Buildings Insurance policy:

  • Increased claim amounts for certain items and covers accidental damage
  • A safety net of up to 25% of your sum insured is available for when repairing or rebuilding costs more than expected
  • $2,000 of cover for plants, trees and shrubs is also included.

NRMA Home Contents Insurance

Note that this policy can be combined with an NRMA Home Buildings Insurance policy to offer complete cover. It provides cover against fire and explosion, flood, storm, accidental breakage, lightning, theft and burglary, malicious damage and more. Up to $20 million of legal liability cover is also included.

This policy can be bundled with an NRMA Home Buildings Insurance policy to offer complete home and contents cover. It provides cover against

  • Fire and explosion
  • Flood
  • Storm
  • Accidental breakage
  • Earthquake
  • Lightning
  • Theft and burglary
  • Malicious damage
  • Impacts
  • Escape of liquids
  • Up to $20 million of legal liability.

NRMA Home Plus Contents Insurance

This offers cover against the same risks as the ordinary NRMA Contents Insurance policy but to a higher limit. A safety net of up to 25% is included if your contents cost more to replace than expected, while $5,000 of cover for accidental damage to your contents when they’re being transported to your new home is also provided.
This NRMA Home Insurance offers the same features as Home Plus Contents Insurance but to a higher level:

  • An extra 25% safety net to cover repair and replacement costs for your contents
  • Cover is provided for your contents when they’re being transported to your new home
  • $5,000 of identity theft.
Actions of the sea
  • No
Built in dishwasher covered by contents cover
  • Yes
Can customers choose to opt out of flood cover
  • Yes
Contents in open air covered
  • Yes
Cover for accidental breakage of glass and ceramics
  • Yes
Cover for contents in transit while moving
  • Yes
Cover for domestic workers compensation
  • No
Cover for pets
  • Optional
Cover for shared household
  • Yes
Cover for specified portable items away from home
  • Optional
Cover for unspecified portable items away from home
  • Yes
Cover if thief entered with owners consent
  • Yes
Cover only the damaged area
  • Yes
Cover to match the next room
  • No
Cover whole room for damage to carpet tiles etc
  • Yes
Damage by animals
  • Yes
Days cover for both addresses while moving
  • 60
  • Yes
  • Yes
Extra costs to comply with building regulations
  • Yes
Fire damage
  • Yes
Flash flooding stormwater rainfall run off
  • Yes
Flood as per the standard definition
  • Yes
Freestanding walls
  • No
Funeral expenses if someone dies because of a covered event
  • Yes
Funeral expenses limit
  • $10,000
Fusion or motor burnout covered
  • Yes
Gates and fences covered for storm damage
  • Yes
Jewellery total limit
  • $2,500
Landslide caused by a storm
  • Yes
Landslide caused by an earthquake
  • Yes
Legal liability millions
  • $20
Lightning incl power surge
  • Yes
Limit for cash
  • No
Limit for replacing keys and locks
  • 100% Sum Insured
Limit for visitors contents
  • $2,000
Liquid escaping such as from a burst pipe
  • Yes
Materials to match undamaged parts of home
  • No
New for old cover
  • Yes
Storm surge caused by seawater simultaneous to a flood
  • Yes
Theft of contents
  • Yes
Tools of trade total limit
  • $5,000
Total replacement cover for home
  • No
  • Yes
Under insurance protection
  • Yes
Under insurance protection limit
  • 25% of Sum Insured
Vandalism riots and malicious acts
  • Yes
Visitors contents covered
  • Yes
Water or liquid damage from pipes tanks pools etc
  • Yes
Wind and other storm damage
  • Yes

What exclusions are there?

Your NRMA Home Insurance claim will not be paid if:

  • It is for rust, corrosion, depreciation or wear and tear
  • It is for erosion, tidal wave or mould
  • It is for subsidence or landslide, unless that which happens as the result of an earthquake
  • It is for atmospheric conditions or extreme temperatures
  • It is caused by vermin or insects
  • It is caused by tree roots or tree lopping or felling
  • It is caused by acts of war or terrorism
  • It relates to the lawful seizure or confiscation of your home or contents
  • It is for mechanical, structural or electrical failure
  • It results from any intentional act or omission by you, one of your family members, or someone else acting with your consent
  • It results from any illegal activity you or your family were involved in
  • It is for costs caused by any business interruption
  • It is for the cost of restoring or replacing any electronic files
  • It relates to the settling, shrinkage or expansion of walls, foundations, etc
  • It is for consequential loss of any kind
  • It results from faulty design or workmanship
  • Your claim occurs after you have left your home unoccupied for more than 60 consecutive days and failed to maintain it in a lived-in state
  • You do not take reasonable care to protect your home and contents against loss or damage.

How does home insurance excess work?

When you make a claim under your NRMA Home Insurance policy, you’ll need to pay an excess to contribute to the cost of your claim. Depending on your policy and the nature of your claim, you may have to pay more than one excess. The following excesses apply to NRMA Home Insurance policies:

  • Basic
  • Earthquake
  • Accidental damage
  • Special

Got any tips to help me pay less for cover?

  • Can you afford having a higher excess? This will result in a lower premium.
  • Are you eligible for a No claim bonus? You’ll receive premium discounts for having a good insurance claims record.
  • Can you get a linked policy discount? Link a Building Insurance policy and a Contents Insurance policy for the same address to enjoy savings on premiums.
  • Are you able to get a Multi-policy discount? Customers who hold Building or Contents Insurance and another NRMA policy may be offered cheaper premiums.
  • Can you get a loyalty discount? This discount is designed to reward customers for their loyalty.

How do I make a claim with NRMA?

If you wish to make a claim, you’ll need to notify NRMA Home Insurance as soon as possible. You can make a claim online through NRMA’s Self Service Centre, or you can phone 131 123 to lodge your claim over the phone. You’ll need to provide your policy number, the address of the insured property and a police incident report number (if applicable).

You must co-operate fully with NRMA Home Insurance and provide any information or documentation they deem necessary to process your claim. It’s also important to remember that you should never admit fault or attempt to settle a claim against you without the NRMA’s permission, but you must do everything possible to prevent any further loss or damage.

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2 Responses

  1. Default Gravatar
    HomeMay 9, 2016

    How do I take out Domestic Workers Compensation Insurance for a one person household with occasional domestic cleaning assistance?

    • Avatarfinder Customer Care
      RichardMay 10, 2016Staff

      Hi Home Owner,

      Thanks for your question. is a comparison service and not an insurer. You should contact NRMA Home Insurance directly about the specifics of their cover.

      All the best,

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