NRMA Home & Contents Insurance Background

NRMA Home & Contents Insurance

 The table below displays a list of home and contents insurance policies from NRMA on Canstar’s database.

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Senior Finance Journalist
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The initial results in the table above are sorted by Star Rating (High-Low) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.

Frequently Asked Questions about NRMA Home & 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.

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.

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.

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.

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.

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About the authors

Alasdair Duncan, Senior Finance Journalist

Alasdair Duncan
Alasdair Duncan is a Senior Finance Journalist at Canstar, specialising in home loans, property and lifestyle topics. He has written more than 200 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo FinanceThe New DailyThe Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au. In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland. When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music. You can follow Alasdair on LinkedIn and Twitter.

Joshua Sale, Group Manager, Research & Ratings

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

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Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more.

The Home Insurance Star Ratings were awarded in August 2023 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Home Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.   It’s important you check product information directly with the provider. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD. For more information, read our Detailed Disclosure.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.