Real Home Insurance

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Cooling-off Period

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Fire, Storm & Theft Damage
Malicious Damage
Escape of Liquid
Legal Liability$20,000,000
Choice of Excess
UnderwriterThe Hollard Insurance Company Pty Ltd
Real Insurance offers 3 home insurance policies; home and contents insurance, home building insurance and contents insurance. Further to that, you can also choose your level of cover - top cover or essential cover. This means you can choose the right policy for your home and lifestyle.

Real Home Insurance has 24/7 emergency assistance and is underwritten by The Hollard Insurance Company Pty Ltd.

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Compare home insurance policies below

Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Budget Direct Home & Contents Insurance
Save 30% on your first year's premium when you purchase a new combined Home & Contents insurance policy online. T&Cs apply.
Youi Building and Contents Insurance
Youi Home Insurance takes the time to tailor a premium for you.
Virgin Home and Contents Insurance
Purchase a new eligible Virgin Home and Contents Insurance policy online and you'll also save 30% on your first year’s premium. T&Cs Apply.
Westpac Home and Contents Insurance
Monthly or Annually
Save up to 25% when you purchase cover online. Promo code: COVER
St. George Home and Contents
Monthly or Annually
Save up to 25% when you purchase cover online. Promo code: COVER
Qantas Home and Contents Insurance
Earn up to 20,000 Qantas Points when you apply. Points awarded will be based on your premium. T&Cs & exclusions apply.
Domain Home Buildings & Contents Insurance
Monthly or Annually
Get 15% off your first year's premium when you purchase a new combined Home & Contents Insurance policy online. T&Cs apply.
QBE Home & Contents Insurance
Save up to 20% on your first years’ premium with a new combined QBE Home and Contents policy online. T&Cs apply.
Seniors Top Home & Contents Insurance
Buy online and save up to 30% on a new home and contents insurance policy. T&Cs apply.

Compare up to 4 providers

Real Contents Insurance Top Cover

Real Contents Insurance Top Cover helps protect you against all the same risks as Essential Cover, but it offers higher benefit limits across the board. Accidental damage cover is included at no extra charge, while new for old replacement is offered on most contents (some exclusions apply). Contents in your home office and contents outside the home are also covered.

Top Cover is Real Home Insurance’s comprehensive contents cover option. Insured events include:

  • Fire
  • Theft
  • Storm
  • Vandalism
  • Impact damage
  • Accidental damage to your contents is also covered
  • New for old replacement is offered on most items (exclusions apply).

Real Home & Contents Insurance Top Cover

This policy offers comprehensive protection for your home and your contents. Not only does it offer higher benefit limits than Essential Cover, but it also covers a broader range of events. Accidental damage to your home is included in cover, as is new for old replacement on most of your contents (exclusions apply).
Providing protection against all the same risks as the Essential Home & Contents policy, this option provides higher limits and broader coverage, including:

  • Accidental damage cover
  • Electrical motor burnout cover is also Optional - $2,000
  • Optional portable valuables cover

Real Contents Insurance Essential Cover

This is Real Insurance’s basic policy to cover your contents against loss or damage. It provides protection against theft, fire, lightning, storms, impact, vandalism, bursting of water and an extensive selection of other insured events. Accidental glass breakage cover is included for mirrors and fixed glass on furniture, while new for old replacement is offered on most items (exclusions apply). Real Contents Insurance Essential Cover is designed to be affordable for customers on a wide range of budgets.
This entry-level policy offers the following cover:

  • Fire
  • Storm
  • Impact
  • Explosion
  • Theft
  • Vandalism
  • Earthquakes
  • Bursting of water pipes
  • Flood
  • Accidental breakage
  • Lightning
  • Electrical motor burnout cover is also Optional - $1,000
  • Optional portable valuables cover

Real Home & Contents Insurance Essential Cover

Real Home & Contents Essential Cover offers affordable protection for your building and your possessions. It covers fire, storm, theft and vandalism, impact damage, earthquake, explosion and much more. Accidental glass breakage cover for windows, shower screens, toilets and the like are also included.
This policy offers a basic level of protection for your home and its contents.

  • Fire
  • Theft
  • Storm
  • Lightning
  • Bursting of water
  • Impact
  • Malicious damage
  • Accidental glass breakage
  • Emergency accommodation costs
  • Contents of your home office.

Real Landlord's Insurance

Landlord’s Insurance from Real Insurance provides coverage for loss or damage caused by a wide range of natural disasters and other events, including fire, storm, theft and more. However, it also includes added protection for landlords, such as theft and vandalism by tenants, as well as loss of rent if tenants are unable to live in your property following an insured event.
This policy provides protection for the home you own against all the usual events included in a home insurance policy, including:

  • Fire
  • Storm
  • Bursting of water
  • Lightning
  • Impact
  • Explosion
  • Tenant vandalism or theft.

Overview of Combined Building and Contents policies

BenefitsTop CoverEssential CoverLandlord's Cover
Save up to 20% when you buy combined home and contents online*
Cooling-off Period14 days14 days14 days

Choose your level of excess

24/7 emergency claims
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 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
Contents in the open air at your homeYes - $8,000Yes - $4,000$500
Contents in your home office$10,000$5,000
Emergency accommodationThe lesser of: 12 months rent; or 10% of your building sum insuredThe lesser of: 12 months rent; or 10% of your building sum insured
Replacement of locks$1,000$500
Legal liability$20,000,000$20,000,000$20,000,000
Funeral expenses$10,000$5,000$0

Temporary accommodation for your dogs and/or cats

Discharge of mortgage costs

Guests’ contents


Document replacement

Tools of trade

*Keep in mind: The discount is made up from a 10% online discount that is applied to the first year only, and the other 10% discount comes from buying a combined Home & Contents policy, which is applied for the life of the policy. Standard underwriting criteria and minimum premiums apply which may reduce savings discount.

What kind of general exclusions apply to Real Insurance policies?

Your Real Home Insurance claim will not be paid if:

  • It is for bushfire, storm, rainwater or flood damage or loss that occurs within the first 72 hours of cover
  • It results from your home being unoccupied for more than 60 consecutive days, unless you have informed Real of this and they have agreed to provide cover
  • It is caused by actions of the sea, including tidal waves, tsunamis and high tides
  • It is for gradual deterioration such as wear and tear, rust, rot, mould, mildew, etc
  • It is for inherent defects, structural faults or faulty workmanship or design
  • It is caused by your failure to maintain your property in good condition
  • It is caused by insects, birds, wildlife or vermin
  • It is caused by any earth movement not caused by earthquake, including erosion, landslide and subsidence
  • It is for removing any tree stump from the ground or for trees which have fallen but which have not damaged your home
  • It is caused by a deliberate action by you, someone else living at the site, or people who have entered the site with your consent
  • It is for corruption to electronic files, data or software
  • It is for the mechanical, electrical or electronic failure of an item
  • It is for accidental damage caused by building work, including renovations
  • It is for damage to swimming pools and spas caused by hydrostatic pressure
  • It is for consequential loss of any kind
  • It is for loss or damage by an animal kept by you
  • It results from an unlawful act or omission by you, or by someone acting with your consent
  • It is caused by the lawful seizure, repossession or confiscation of anything.

Also keep in mind that there are fixed claim limits in place for some items of contents, for example a $1,000 limit for bicycles under Essential Contents cover.

You can also find a complete list of general exclusions in the Real Insurance's product disclosure statement (PDS).

Any way I can save some money?

Cost is always an important factor when you’re shopping for insurance, and there are several factors that can influence the price of your Real Home Insurance premiums.

  • Buy online. You can enjoy savings when you buy your Real Home & Contents Insurance policy online.
  • Choose a lower level of cover. The higher the level of cover you choose, the more you will have to pay for it.
  • Adjust the excess. If you’re not worried about paying a higher excess when you make a claim, you can increase your excess amount in return for lower premium prices.

How does Real Home Insurance excess work?

When you make a claim on your Real Home Insurance policy, the excess is the amount you need to pay for each insured incident. Depending on your policy and your individual circumstances, a number of excesses may apply to your cover. For example, a fixed excess of $100 applies to claims made under the optional cover for electrical motor burnout or portable valuables. In addition, a $500 excess applies to claims of earthquake and flood.

However, for other claims you are able to select the excess you pay, and the level of this excess is reflected in the price of your premiums. The higher the excess you select the lower the premium will be.

How do I go about making a claim?

If an incident occurs that may lead to a claim, make sure to take all reasonable steps to prevent any further loss or damage. Next, call Real Insurance’s claims team on 13 19 48 to report the incident, making sure to provide as much detail as possible about what happened. Of course, if the incident involves theft, vandalism or malicious acts, you’ll also have to report it to the police as soon as possible.

If Real Insurance requests any further information or documentation to support your claim, it is your responsibility to provide this in a prompt manner. This may include police incident report numbers, proof of ownership, photographic evidence, court notices and more.

You can call Real Insurance on 13 19 48 for more information about lodging a claim.

Frequently asked questions about Real Home Insurance

Reading to compare policies?

If you want comprehensive insurance cover for your home and contents, consider the policy options offered by Real Home Insurance. However, as always, remember that it’s important to weigh the pros and cons of multiple policies from competing insurers to find the right cover for you. Ensure you read the product disclosure statement to find out if this policy is right for you.

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    Default Gravatar
    August 2, 2018

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

      Default Gravatar
      August 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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