We don't currently have this brand on our panel. But don't fret! You can head to the NRMA website or compare a bunch of other landlord insurance companies with finder.
Building Cover. Protect your property with Building Cover. Cover extends to pipes, cables, ducting, wires, switches, meters, fixed appliances, carports, patios, paved paths, driveways and other permanent fixtures (pools, spas, etc).
Contents Cover. Take care of everything not nailed down with Contents Cover. As well as all the expected items such as entertainment equipment and kitchen appliances, your carpets, curtains, blinds, furniture, furnishings, non-permanent light fittings, removable domestic appliances, utensils, swimming pools and their accessories are all included too.
Building & Contents Cover. Take care of the rafters and everything underneath with Home & Contents Cover, combining both policies for your property and its contents, as well as legal liability of up to $20 million. You can also select to remove certain insured events to lower your premium, though you will not be protected against those events, should they happen.
It comes with a 21-day cooling-off period which is the same as most insurers. You'll also need to pay one of the following excesses depending on what your claim involves: basic, earthquake or special.
What do I get with a NRMA landlord insurance policy?
If an insured event like a fire, storm or theft occurs, NRMA can cover you for the following:
If a tenant stops paying rent
Lost rent during repairs
Demolishing and removing debris
Keys and locks
Locating the cause of damage
Exclusions
Specific exclusions may depend on your personal circumstances or the current state of your home and contents. Be sure to speak with your insurance broker about exclusions before you take out any policy. General exclusions can include loss, damage or injury as a result of:
Tenant neglect, carelessness, poor housekeeping and hygienic living
Rust, mould, depreciation or wear and tear
Earth movements unrelated to earthquakes
Actions of the sea
Atmospheric conditions or extreme temperatures
Vermin or insects
Tree roots, felling or lopping
Lawful seizure or illegal activities you are involved in
Mechanical, structural or electrical failure
Business interruption, consequential financial loss or other non-financial loss (inconvenience, distress, etc)
Intentional and deliberate actions by you or someone acting with your permission
For a full list of exclusions, make sure you take a look at NRMA's PDS.
NRMA landlord insurance complaints
In the 2024-2025 financial year, AFCA received a total of 1,172 complaints about NRMA's home and contents insurance products. 535 of those were resolved at the registration and referral stage, giving NRMA a referral resolution rate of 45.65%.
Bottom line about NRMA landlord insurance
NRMA home insurance is good if you want a large insurer that covers lost rent and unlike most, automatically covers flood, rainwater run-off and storm surge. However, unlike other insurers, it doesn't give you the flexibility to increase your cover with optional add-ons.
If you're not ready to take out a policy, you can compare other landlord insurers side-by-side on our homepage here.
FAQs about NRMA landlord insurance
The main eligibility criteria for an NRMA landlord insurance policy are as follows:
The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. It's not suitable for body corporate buildings and houseboats.
How you use the property. It must be rented out to tenants or a short-term rental agreement of more than 1-month.
The condition of your home. The home needs to meet acceptable dwelling criteria. For example, it should be secure, watertight, structurally sound and well maintained.
After dealing with an incident, including contacting any emergency services and collecting relevant documents and reports, contact NRMA on 132 132.
Alternatively, you can go to insuranceonline.nrma.com.au to lodge your claim online or visit an NRMA office branch if you would prefer to speak in person.
Excess is your share of any claim for damage, loss or injury covered by your policy. Each claim requires its own excess and you may have to pay more than one excess. For example, if a fire damaged your house you would need to claim for the damage and pay an excess. If the house was unusable, you could claim for loss of rent, which would require an additional excess.
If you've held or currently hold a NRMA landlord insurance policy, we'd love to hear from you. Your reviews help other Australians decide if NRMA is right for them. Some reviews are from a survey commissioned by Finder.
The best landlord insurance is the one that you can trust to protect your investment when you're not there.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
