Real Home Insurance Review

Here's a breakdown of Real Home Insurance features

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.

Frequently asked questions

• How does my 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 make a claim with Real Insurance?

  Here are the 3 steps to making a claim with Real Home Insurance:

  1. If an incident occurs that may lead to a claim, make sure to take all reasonable steps to prevent any further loss or damage.
  2. 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.
  3. 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.

• Am I covered for accidental damage with Real Home Insurance?

  If you have a Top home insurance policy, accidental damage cover is included as part of your policy.

• Who is eligible for a Real home insurance policy?

  A Real home or contents insurance policy is suitable for someone who owns and occupies a home (excluding properties owned under a strata title, community or company title) that:

  • isn't under construction or being majorly renovated or altered
  • is kept in good condition and is properly protected from loss or damage
  • complies with relevant statutory and local government requirements
  • is used primarily by you for residential purposes and is unlikely to be unoccupied for more than 60 consecutive days

  Policies are also only suitable if you have estimated the cost of replacement of the building, fixtures and structural improvements. Additionally, you must be comfortable that the policy satisfies your need for affordable cover and is likely to help reduce your net financial loss in the event of a claim.

  Top level policies are suitable to people who want higher limits, additional benefits and accidental damage cover.

Leave a Real Home Insurance review

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.