Real Home Insurance Review

Real Home Insurance is good if you want flexibility on price and cover but its cooling off period can be beaten.

3.8 ★★★★★ (4 reviews) Write a review

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Our Verdict

  • It's good if you want flexibility. Real Home Insurance comes with top or essentials cover options.
  • It's underwritten by Hollard, one of the most common insurers in Australia.
  • It has a cooling off period of 14 days which is less than many other insurers, including Budget Direct and QBE.
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What does Real Home Insurance cover?

Real Insurance offers 3 home insurance policies: Home and Contents Insurance, Building Insurance and Contents Insurance. It also offers Landlord Insurance.

Here are some of the main insured events a Real Home Insurance policy covers:

All policies require you to pay an excess whenever you make a claim and a cooling off period of 14 days. If you cancel within this timeframe, you'll receive a full refund (so long as you haven't made a claim on your policy.)

Here's a breakdown of Real Home Insurance features

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Standard features

Here are some of the main standard features you'll find included in a Real Home Insurance policy:

  • New for old replacement
  • Replacement of insured items stolen from inside your home
  • Replace items and repair damage caused by a fire or explosion
  • Replace items and repair damage caused by earthquake, lightning, storm, flood and rainwater
  • Replace items and repair damage caused by the sudden or unexpected escape of liquid, such as from burst pipes
  • Replace items and repair damage caused by malicious damage, impact, riots, civil commotion or industrial unrest
  • Accidental glass breakage
  • Accidental damage to your insured building and/or contents
  • Emergency storage of contents

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Optional add-ons

Real Insurance only offers 3 optional add-ons:

  • Electrical motor burnout
  • Portable valuables
  • Rent default and legal expenses (Landlords Cover only)

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There are certain situations where your claim will not be paid by Real; these are referred to as exclusions. Some examples your Real Home Insurance claim will not be paid include:

  • Bushfire, storm, rainwater or flood damage or loss that occurs within the first 72 hours of cover
  • Your home is unoccupied for more than 60 consecutive days, unless you have informed Real of this and they have agreed to provide cover
  • Actions of the sea, including tidal waves, tsunamis and high tides
  • Gradual deterioration such as wear and tear, rust, rot, mould, mildew, etc.
  • Inherent defects, structural faults or faulty workmanship or design
  • Your failure to maintain your property in good condition
  • Claims for damage by insects, birds, wildlife or vermin
  • Earth movement not caused by earthquake, including erosion, landslide and subsidence
You can find the full list of exclusions in Real's product disclosure statement (PDS).

Here's Real Insurance's complaints review

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how Real Insurance did (keep in mind that the total number of complaints is not necessarily all for Real; it includes other brands underwritten by The Hollard Insurance Company Pty Ltd):

  • The Hollard Insurance Company Pty Ltd had a relatively high number of complaints for its size (large), more than Auto & General and Westpac.
  • Its referral resolution rate was lower than 40% which is poorer than several other insurers, including RACV, Commonwealth Insurance and Westpac.

Bottom line about Real Home Insurance

Real Home Insurance comes with the option of Top or Essentials Cover which makes it good for flexibility. However, Real doesn't have the strongest complaints record.

If you want to compare Real Home Insurance policies side-by-side with other providers, you can head here.

Frequently asked questions

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If you've held, or currently hold, a Real Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Real Insurance is right for them. Some reviews are from a survey commissioned by Finder.

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2 Responses

    Default Gravatar
    kanchanAugust 2, 2018

    I would like a quote on home insurance, landlord insurance and life insurance.

      Default Gravatar
      JoelAugust 2, 2018

      Hi Kanchan,

      Thanks for leaving a question on Finder.

      You will have to talk to the insurer and see if they can bundle your insurance. You may get in contact with an insurer who offers regular home insurance, landlord insurance and life insurance.

      Please click the links above to compare quotes from different insurers. Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.


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