These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer benefits or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score - Home Insurance
We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
We currently don't have that product, but here are others to consider:
How we picked these
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
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.
Optional add-ons
Real Insurance only offers 3 optional add-ons:
Electrical motor burnout
Portable valuables
Rent default and legal expenses (landlord cover only)
Exclusions
There are certain situations where your claim will not be paid by Real; these are referred to as exclusions. Some examples of when 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 it has 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 is Real Insurance's complaints review
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data explores 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):
A large proportion of its complaints were resolved.
It had a large number of complaints compared to other similarly sized insurers.
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.
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 premium. The higher the excess you select, the lower the premium will be.
Here are the 3 steps to making a claim on a Real home insurance policy:
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.
If you have a Top home insurance policy, accidental damage cover is included as part of your 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 for people who want higher limits, additional benefits and accidental damage cover.
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.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
We live in a residential caravan park, and need home and contents Insurance.. A lot of companies won’t insure you.. need to know of a good insurance company that does
Finder
PetaApril 30, 2025Finder
Hi Anita, if you’re in a mobile or relocatable home that is in a caravan park then this article may be helpful for you: https://www.finder.com.au/home-insurance/relocatable-home-insurance
Essentially, there are very limited providers who will provide cover but MHIA or NRMA could be worth exploring. I hope this helps!
GailOctober 16, 2024
I need home and contents insurance along with Comprehensive car insurance. I want to pay monthly and am on a pension (DSP) looking for the best option with discounts for having more than one policy if possible.
Finder
AngusOctober 18, 2024Finder
Hi Gail, We have comparisons of home insurance and car insurance you can use to see which options suit you. Note that it’s usually a little cheaper to pay annually than monthly, but understandably it’s often easier to budget for the monthly payments. Once you have an idea of which plans suit you, you can then decide if it’s worth asking one brand if they’ll give you a loyalty discount – in our experience, sometimes separate plans can be cheaper than going with a more expensive provider and getting a discount. Hope this helps!
kanchanAugust 2, 2018
I would like a quote on home insurance, landlord insurance and life insurance.
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.
Keen to protect your prized possessions while you’re on the go? Portable content insurance could be for you. Learn more about what’s covered and compare your insurance options.
Compare home and contents insurance - our research shows you can save up to $1,653 by switching.
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We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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We live in a residential caravan park, and need home and contents Insurance.. A lot of companies won’t insure you.. need to know of a good insurance company that does
Hi Anita, if you’re in a mobile or relocatable home that is in a caravan park then this article may be helpful for you: https://www.finder.com.au/home-insurance/relocatable-home-insurance
Essentially, there are very limited providers who will provide cover but MHIA or NRMA could be worth exploring. I hope this helps!
I need home and contents insurance along with Comprehensive car insurance. I want to pay monthly and am on a pension (DSP) looking for the best option with discounts for having more than one policy if possible.
Hi Gail, We have comparisons of home insurance and car insurance you can use to see which options suit you. Note that it’s usually a little cheaper to pay annually than monthly, but understandably it’s often easier to budget for the monthly payments. Once you have an idea of which plans suit you, you can then decide if it’s worth asking one brand if they’ll give you a loyalty discount – in our experience, sometimes separate plans can be cheaper than going with a more expensive provider and getting a discount. Hope this helps!
I would like a quote on home insurance, landlord insurance and life insurance.
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.
Cheers,
Joel