NRMA Home & Contents Insurance

About NRMA

NRMA is a provider of home insurance, landlord insurance, car insurance, travel insurance  business insurance and more.

What do NRMA home and contents insurance policies cover?

NRMA lets you choose from home insurance, contents insurance or a combined home and contents insurance policy.

Home Insurance

NRMA says its home insurance is designed to protect your buildings and fixtures. Coverage may include the physical structures that make up the home, like the walls and roof, as well as other fixtures on your property such as your garage, shed or swimming pool.

Features of NRMA’s home insurance include:

  • Fire
  • Theft and vandalism
  • Water and oil leaks
  • Flood, rainwater run-off and storm surge
  • Some of the costs of rebuilding your home
  • Temporary accommodation
  • Broken glass

Contents insurance

NRMA says its contents insurance is designed to protect your belongings at your home, such as furniture, appliances,  clothing and shoes from events including fire, storm, theft and vandalism or malicious damage.

Features of NRMA’s contents insurance include:

  • Theft and vandalism
  • Fire
  • Flood, rainwater run-off and storm surge
  • Water and oil leaks
  • Temporary accommodation
  • Visitors’ belongings
  • No excess for food spoilage
  • Coverage when moving to a new home

Combined home and contents insurance

NRMA home and contents insurance offers all of the above benefits and inclusions of both home insurance and contents insurance in a combined package. At the time of writing, NRMA says policyholders may be eligible for a discount of  5% when they combine home and contents insurance based on a new customer signing up to two eligible policies.

How do I apply for a NRMA home and contents insurance policy?

To apply for a NRMA home and contents insurance policy, you can get a quote from NRMA by either calling them directly, or requesting one online via their website.

Compare home and contents insurance


What’s the difference between NRMA building and NRMA contents insurance?

As a general rule, building insurance covers any part of your house that is permanently fixed and not intended to move, such as your walls and roof, or kitchen benchtops. Contents insurance covers all the items within your house that are not permanent fixtures, i.e. you could move them between houses. Find out more about home and contents insurance here.

How much NRMA home insurance should I take out?

If you have a recent and accurate estimate for the value of your home and contents, then it’s often a good idea to insure up to that particular sum to get your exact money’s worth.

If you don’t have an accurate idea of this value, then you could look for a complete replacement home insurance policy to give yourself peace of mind, though bear in mind that while you’re less likely to be underinsured, the premiums for a total replacement may be more expensive than for a sum-insured one. Find out how much home insurance you need and how much contents insurance you need.

How do I make a claim with NRMA?

If something happens to your home or contents, you can either lodge a claim online or call NRMA’s customer care service during business hours. You will need to provide your policy number and details of the incident.

I’m currently renting. Do I need NRMA home insurance?

As a renter, you generally don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit, apartment or townhouse, the body corporate is legally required to have building insurance for the building. However, as a renter you can still consider contents insurance if you want to protect your own possessions.

Some providers offer specialised renters insurance policies. In many cases, though, renters insurance is the same or very similar to a contents insurance policy. It may be the case that when applying for a standard contents insurance policy, you simply need to specify to the insurer that you’re a tenant.

If you are a renter, you can purchase a contents-only policy from NRMA.

I’m a landlord. Do I need NRMA home insurance?

For landlords, a specific landlord insurance policy could be an option to consider. Landlord insurance is designed to cover you for the same things as a home insurance policy, but with several additions to cover you against risks from having tenants in your property.

Depending on your choice of cover, NRMA landlord insurance may cover lost rent during repairs, tenants who stop paying rent or theft and vandalism. NRMA does not cover damage to plants, trees or shrubs growing in the ground and vermin, insects, birds or animals that normally live at your property or damage they cause.

About NRMA

NRMA Insurance was established over 90 years ago. NRMA Insurance is backed by Insurance Australia Group (IAG), the leading general insurer in Australia and New Zealand.

This content was reviewed as part of our fact-checking process.

Written by: Tamika Seeto | Last updated: October 1, 2021