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NRMA Home Contents Standard can cover personal belongings in a strata lot and, for covered listed events, certain owner fixtures treated as general contents. It does not automatically cover every fixture: items insured under an owners corporation’s policy are excluded. Before buying or renewing, match your policy dates to the applicable documents, then compare your certificate with the strata policy.
Which NRMA documents apply to your policy?
Start with your policy commencement date and most recent renewal date. NRMA’s policy booklet index lists different document sets by those dates; the latest document on the website may not govern an existing policy.
- For policies commencing on or after 16 November 2025, or renewed on or after 31 December 2025, NRMA lists the Home Insurance Supplementary PDS November 2025. It includes Home Contents Standard and supplements the September 2023 PDS.
- For policies commencing on or after 21 April 2024, or renewed on or after 1 July 2024, NRMA lists the Home Insurance PDS September 2023 as the applicable PDS.
The policy contract comprises the certificate of insurance, the PDS and any applicable supplementary PDS. The certificate records your selected cover level, contents sum insured, optional benefits, excess, insurance period and special conditions. Read the applicable documents together rather than relying on a product summary.
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Strata insurance and contents insurance have different roles. Strata insurance relates to the owners corporation’s cover for the building and shared property; contents insurance is for belongings in your home. NRMA says an owner can ask the body corporate manager or committee member whether the complex has strata insurance. See NRMA’s Strata Insurance overview and strata-versus-contents explanation, while treating the actual policies as controlling.
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Overlap matters when a claim involves a fixture or other item that may be insured by the owners corporation. Do not assume that the strata policy covers every fixture—or that your contents policy does. Check both wordings and ask the strata manager or committee about the complex’s cover.
Which owner fixtures can Home Contents Standard cover?
NRMA’s Home Insurance PDS lists certain fixtures in a strata or similar scheme as general contents under Home Contents Standard and Plus when loss or damage results from a covered listed event. The examples in the PDS are:
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- Built-in furniture and cupboards
- Stoves and hot water services
- Shower screens
- Paint and wallpaper
- Built-in air conditioners and fixed awnings
- Solar panels
- Carpets and floating floorboards
This is not blanket cover for every fixture or every cause of damage. The listed-event terms apply, and the PDS excludes items covered by an insurance policy taken out by an owners corporation or similar body. For a particular item, check its status under both policies and the event that caused the damage.
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What to compare before choosing Standard or renewing
NRMA offers Standard and Plus levels. Compare the applicable PDS and your certificate, not just a short marketing description. Focus on the differences that affect your lot and belongings:
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- Which listed events are covered and what exclusions or conditions apply?
- What contents sum insured, excess and special conditions appear on your certificate?
- Which optional benefits are selected, and what limits or excesses apply?
- How do item limits affect valuables, and how are strata fixtures treated?
- Could the owners corporation’s insurance cover any of the same items?
- Does your policy include portable contents, and what excess applies to that benefit?
- If you are in an eligible state, what flood-related selection appears on the certificate?
How to set a contents sum insured
Estimate what it would cost to replace your belongings, not what they might sell for second-hand. NRMA recommends making a room-by-room list and recording high-value items separately because individual item limits may apply. Keep useful records such as descriptions, values and receipts so you can check the total against your chosen sum insured.
For more on NRMA’s contents cover and inventory guidance, see its Contents Insurance page. The right sum insured depends on your possessions and policy terms; the certificate shows the amount selected for your policy.
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Portable contents and the excess
Portable contents is an optional benefit, so confirm whether it is selected and what it covers outside the home. The November 2025 supplement says a Portable Contents Excess applies to claims under that benefit and updates an example using a $250 excess. That is an example in the supplement, not a universal excess. Check your certificate and applicable wording for your actual excess and terms.
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The September 2023 PDS states: “The amount and types of Excess that applies to Your Policy will be shown on the Certificate of Insurance.” Read that statement in the context of the applicable version and any later supplement.
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Check the flood-cover selection if you live in NSW, the ACT or Tasmania
The November 2025 supplement says NRMA may offer eligible customers in New South Wales, the Australian Capital Territory and Tasmania an option to remove cover for flood, rainwater run-off and storm surge. Customers elsewhere are not eligible for that removal option. If an eligible customer is offered and selects it, those specified perils are not covered. Check the certificate to see whether the option was offered and selected; do not infer the answer from your address alone.
What NRMA’s claims figures do—and do not—tell you
NRMA Insurance reports that it processed more than 53,000 home insurance claims in 2025 and that more than 88% were approved. It also reports storm or flood as the top claim type at 63%. These are NRMA-reported figures, not independent market statistics, and they do not predict whether a particular strata contents claim will be accepted. The policy wording, event, exclusions and your individual documents determine cover.
Practical checks before you commit
- Find your commencement and renewal dates, then identify the matching PDS and any supplementary PDS in NRMA’s policy booklet index.
- Read your certificate for the cover level, sum insured, selected options, excess and special conditions.
- Ask the strata manager or committee what the owners corporation’s policy covers, especially for fixtures in your lot.
- Compare both policies for any item that could overlap, and check the applicable listed-event wording and exclusions.
- Make a room-by-room replacement-cost inventory and identify high-value belongings that may have individual limits.
- Confirm portable-contents terms and, if relevant, the flood-related selection on your certificate. Ask NRMA for clarification if a document or selection is unclear.
Your premium, eligibility, actual overlap with strata insurance and claim outcome cannot be determined from the product wording alone; they depend on your property, dates, certificate, selections and the owners corporation’s policy.
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