Home and contents insurances
Back to Best Contents Insurance Comparison

Real Insurance Essential (renters)

Real Insurance Essential (renters)

CHOICE Expert Rating

Rating available to members only
What is the CHOICE Expert Rating?
Good points

Good Points

Member only content

The product's best features and benefits

Bad points

Bad Points

Member only content

Drawbacks or issues you need to know about

CHOICE Tester
Unlock

Unlock our expert review and more

Check Reviews you can trust
Check Easy side-by-side comparison
Check Recommended products at a glance
Join CHOICE

Recommended products Members only Results for paid members only

Recommended
Members only

Scores Members only Results for paid members only

CHOICE Expert Rating
Members only
Cover score
Members only
Price score
Members only
Customer satisfaction
N/A

Description

Insurer
Real Insurance
Policy
Essential (renters)
Owner type
Renters
Provider
The Hollard Insurance Company Pty Ltd
About the insurer
Real Insurance

Cover summary

Contents cover
Nominate a sum insured for your contents
Legal liability
  • Up to $20 million
  • Cover for people named on the policy, plus their family members living with them
  • Cover for incidents in Australia
Renters liability
1

Cost

Same price to pay monthly
ACT price comparison
$$
NSW price comparison
$
NT price comparison
N/A
North Queensland price comparison
N/A
South Queensland price comparison
$$
SA price comparison
$$
Tasmania price comparison
$$
Victoria price comparison
$
WA price comparison
$

Covered events

Theft
  • Covers theft
  • No cover for theft from homes not sufficiently furnished for normal living purposes or common property/unenclosed car space at multi-residency site
  • No cover for theft by residents or someone at the site with consent of residents
Fire
  • Covers fire and bushfire
  • 72 hour waiting period for bushfire
Flood
u0026#149; Coveredu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of floodu003cbru003eu0026#149; Flood excess: greater of $500 or your basic excessu003cbru003eu0026#149; 72 hour waiting period
Storm and cyclone
u0026#149; Covers storm, cyclone, tornado, lightning, hail and snowu003cbru003eu0026#149; Covers earth movement, vibration, erosion, subsidence, landslide, mudslide, settling, collapse and earth shrinkage/expansion, but must occur within 168 hours of stormu003cbru003eu0026#149; No cover for damage caused by water seeping/percolating into buildingu003cbru003eu0026#149; 72 hour waiting period
Storm surge
Action of the sea
Tsunami
Explosion
Earthquake
Vandalism
Impact damage
u0026#149; Covers damage caused by falling trees or tree branchesu003cbru003eu0026#149; Covers damage caused by motor vehicles, trailers or watercraftu003cbru003eu0026#149; Covers damage caused by power or communication polesu003cbru003eu0026#149; Covers damage caused by satellite dishes and television or radio aerials breaking or collapsingu003cbru003eu0026#149; Covers damage caused by aircraft or debris falling from spaceu003cbru003eu0026#149; No cover for damage caused by tree felling or lopping at the siteu003cbru003eu0026#149; No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipmentu003cbru003eu0026#149; Does not cover costs to remove tree stumps from the groundu003cbru003eu0026#149; Does not cover costs to remove or lop trees which have fallen but not damaged the home
Animal damage
Escape of liquid
Breakage
Accidental damage

Claims

Out-of-hours claiming
Online and 24/7 phone
How the insurer can settle your claim
  • Repair damaged items
  • Replace damaged items
  • Pay you the item's replacement value, up to your sum insured or other sublimits
Cash settlement
  • Customer cost if insurer offers cash
  • Insurer cost if you ask for cash (may be less than retail cost)
New for old contents replacement
Yes (excludes clothing, shoes and linen out of use/stored away and computers over 4 years old)

Contents

Cover for unlisted portable contents
  • Covers some items for accidental loss/damage
  • No cover for disappearance when cause cannot be established
  • Choose overall limit from $2500–$5000
  • Up to $1000 per item
  • Covered anywhere in Australia
  • $100 excess
  • Optional
Optional cover for specially listed valuables
  • Cover for accidental loss/damage
  • No cover for disappearance when cause cannot be established
  • Covered anywhere in Australia
  • $100 excess
Contents in the open air
  • Up to $4000 overall
  • Up to $1000 per item
  • No item sublimit for barbecues or garden furniture
Temporary accommodation
Debris removal
  • Up to $10000 overall
  • Paid on top of sum insured
Emergency storage
Keys and locks after break-in
Motor burnout
  • Motors up to 10 years or $1000 overall
  • Optional
Jewellery
  • Up to $2500 overall
  • Up to $1000 per item or collection
Artworks
  • Up to $2500 overall
  • Up to $1000 per item or collection
  • Limit combined with collections
Collections (e.g. stamps, coins)
  • Up to $2500 overall
  • Up to $1000 per item or collection
  • Limit combined with artworks
Digital media
  • Up to $2500 overall
  • Up to $1000 per item
Spoiled food
  • Up to $500 overall
  • Cover for failure of public electricity supply
  • Optional cover for motor burnout
Visitors' contents
Up to $500 overall
Pet cover
Permanent fixtures
Overlapping cover at a new house
Up to 14 days cover at both addresses
Cover for contents while moving house

More products in this test

Guild Home Elite (renters)
Rating available to members only

Guild Home Elite (renters)
CBA Contents Cover Plus (renters)
Rating available to members only

CBA Contents Cover Plus (renters)
Qantas Contents (strata owners)
Rating available to members only

Qantas Contents (strata owners)
Get full access to all our tests and reviews Join CHOICE or Log in

Looking for user reviews?

We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.